vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: NJ

Complaint narrative:
Re : XXXX XXXX XXXX  Dear CFPB Representative, This letter serves as my second formal complaint regarding unlawful reporting practices by the XXXX major credit bureaus. I previously submitted notice of this issue, and XXXX days have now passed without corrective action. 

The bureaus have posted an inaccurate late payment under my personal credit profile. This continued reporting constitutes : Violation of 15 U.S.C. 1666b, which requires creditors to mail or deliver billing statements at least 21 days before the payment due date. In this case, no statements were ever provided to me, making it unlawful to treat any payment as late. 

Violation of the Fair Credit Reporting Act ( FCRA ) and related state consumer protection laws. 

Unlawful interference with commerce, as the inaccurate reporting has directly prevented me from securing bonding for my business and has caused my insurance rates to rise sharply. 

Ongoing damages to my personal reputation and business operations, including measurable financial harm and loss of opportunities. 

I request that the CFPB take immediate enforcement action to ensure compliance with federal law and to protect my rights as both a consumer and a business owner. Continued inaction by the bureaus should be treated as willful noncompliance. 

Please confirm receipt of this second notification and advise on the corrective measures and enforcement steps that will be undertaken. 

Sincerely, XXXX XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Attempted to have XXXX XXXX. validate a debt by me ( consumer ), sending a validation of debt letter via certified mail XXXX in which they received on XX/XX/year>. They failed to validate the debt by providing the name and address of the original creditor per 15 US Code 1692. I ( Consumer ) sent XXXX XXXX. a cease and desist notice via certified mail XXXX in which the received on XX/XX/year>. I later sent an Affidavit of Truth. I then submitted a CFPB complaint as number XXXX in which XXXX responded by stating " We received your written request to stop all collections contact with you regarding your accounts. This includes telephone calls to your home, work, and cell phone numbers, text message, letter, chat and emails. We will continue to send you a monthly billing statement as required by federal law as you are still legally responsible for making required payments for your accounts. '' Since this last communication I have not heard from them attempting to validate the debt in any way until XXXX XXXX. decided to hire an attorney by the name of Selip & Stylianou , LLP. They sent me a XXXX XXXX XXXX XXXX ( d ) ( XXXX ) form along with a letter dated XX/XX/XXXX. Selip & Stylianou , LLP violated the cease and desist notice in which is subject to {$1000.00} violation for each occurrence per 15 US Code 1692k. 

This is backed up by case law ; " In XXXX XXXX XXXX, the court rejected a debt collectors argument that using XXXX XXXX XXXX  granted a safe harbor from all FDCPA claims. The court held that while Reg F provides a safe harbor for alleged violations of the information and form requirements of the validation notice context, that safe harbor does not extend to alleged FDCPA violations unrelated to those form/information requirements ( e.g., 1692c ( c ) ). 

I also consider this form deceptive according to 15 US Code 1692j ( a ), which is subject to another {$1000.00} violation. See the attached invoice for {$2000.00} for violations committed by Selip & Stylianou , LLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: WI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my credit card ending in XXXX on XX/XX/XXXX XXXX XXXX without any prior warning, notification, or opportunity to correct an alleged delinquency. I did not receive a single statement, reminder, or payment notice for months, although I had enrolled in email statements. In addition, the credit card did not appear in my Bank of America online banking dashboard at all, which meant I had no way to view balances, due dates, make payments, or even confirm that statements were being generated. Because the account was invisible and because no statements were issued to me, I had no means to monitor or manage the card.

Bank of America proceeded to report late payments to the credit bureaus even though they failed to deliver statements or make the account accessible. The bank then abruptly closed the account without a phone call, email, alert, or mailed warning. This has materially damaged my credit profile : my score dropped significantly due to late payment reporting and the resulting decrease in available credit. These negative marks are a direct result of the banks failure to communicate and failure to provide access to the account, not consumer negligence.

I am requesting CFPB oversight because Bank of Americas conduct appears to violate the Truth in Lending Act, the Fair Credit Billing Act, and the standards against unfair or deceptive practices. I am asking for ( XXXX ) removal of all late payment reporting, which was caused by the banks failure to issue statements, ( XXXX ) correction of the reporting so the account appears as closed by consumer, and ( XXXX ) a full investigation into how and why the account was hidden from my online banking and why no statements or notices were ever sent. I am also requesting copies of all statements and notices the bank claims to have issued and proof that they were ever delivered. 

This situation has caused significant financial harm, and I am seeking the CFPBs assistance to compel Bank of America to correct the inaccurate and unfair credit reporting, provide documentation, and remedy their procedural failures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: WI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL. XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, NOTE This my SECOND LETTER and this notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following INQUIRY FROM THIS COMPANY : XXXX XXXX XXXX, DATE:XXXX-TO-BE DELETED IMMEDIATLY... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following INQUIRY : XXXX XXXX XXXX, DATE : XXXXTO BE DELETED IMMEDIATLY...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
I have disputed a unfair and inaccurate credit reporting from XXXX XXXX on my credit reports thats over XXXX XXXX XXXX that theyre still reporting charge offs. The original charge off was XX/XX/XXXX to XXXX XXXX XXXX months straight of reporting charges offs. Now they are charging off the same account XX/XX/XXXX that negative impact my credit score again. I want this account removed immediately for unfair 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 non-monetary relief
Consumer complaint received 2025-11-16 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: PA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Transunion immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax XXXX breach. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent XXXX  student loan accounts on my TransUnion credit report that I do not recognize and which result from identity theft. These include accounts opened XXXX with balances of {$5500.00} and {$7000.00}, accounts opened XXXX XXXX  with balances of {$3500.00} and {$6000.00}, and an account opened XXXX with a balance of {$6000.00}, all under account number XXXX. 
These accounts caused fraudulent hard inquiries and collections. I demand that all fraudulent items be removed from my credit reports and that all collection activity related to these accounts cease under my rights pursuant to the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing.

Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: PR

Complaint narrative:
Equifax reported my XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( last 4 digits : XXXX ) as 60 days late in XXXX, even though my XXXX payment was made on time. I have a screenshot showing the payment was made on time. This information is inaccurate and must be corrected or removed if it can not be verified, in accordance with 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 of the Fair Credit Reporting Act ( FCRA ). I am requesting a proper investigation into this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: IN

Complaint narrative:
Equifax Verified Information Using XXXX While My XXXX File Is Frozen Summary : I placed a security freeze on my XXXX consumer file. Despite that, Equifax claims they verified information using XXXX. A freeze should block access. I believe Equifax either accessed my data improperly or is misrepresenting the verification source. I also believe XXXX may be sharing or feeding data in ways that bypass a consumer freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I received two letters from resurgent stating that I owed debt of approx XXXX dollars ( see attached ) it further stated that the debt was originally charged off by original creditor who do not know or remember. It over 18 years ago. To my knowledge this is either not my debt or there is no way for the balance to be what is stated. Is is also my understanding that at 7 years it should have been deleted as non existent anymore. I repeat charge off by original creditor was XX/XX/XXXX. As this date is XX/XX/XXXXXXXX  it is over 18 years ago. I never signed any permission with this company to allow them to collect on this debt nor with one they acquired it from. LNVN is the I think original collector on this matter. I believe this debt is so far out of limits it should be removed from any and all collection agencies or collection reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation