vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am sending this dispute to formally challenge several items on my credit report that I believe are inaccurate, incomplete, or unverifiable. Under FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611, and 623 ( a ) ( 1 ) ( A ), consumers are entitled to fair, accurate, and verifiable credit information. I am requesting that your agency conduct a full reinvestigation of the following accounts and permanently delete any information that can not be fully verified as accurate and complete : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DEFERIT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 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: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Identity Theft Declaration and Request for Deletion of Fraudulent Accounts Submitted under XXXX XXXX. XXXX and the Fair Credit Reporting Act ( FCRA ) Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX XXXX Date : XX/XX/XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX of perjury that I am a victim of identity theft. Unauthorized accounts, inquiries, and/or negative items have appeared on my credit report that I did not open, authorize, or benefit from. These items are fraudulent and must be deleted from my credit file pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, Section 605B ), which requires consumer reporting agencies to block and remove information resulting from identity theft when proper documentation is provided.

I did not apply for, open, or authorize the accounts listed below. These accounts were created by an unauthorized individual misusing my personal information. This written statement is made under 28 U.S.C. 1746, in lieu of a notarized affidavit, as permitted by XXXX  law. 

Please note that the address on my government-issued identification is an old address and is no longer in effect. My current address is listed above, and proof of this address is attached Fraudulent Accounts to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Actions XXXX. Investigate and permanently delete all accounts, inquiries, and public records identified above that are the result of identity theft or can not be verified as legitimate. 
XXXX. Block reappearance or reinsertion of these fraudulent items in my credit file, as required under FCRA 605B ( b ) and FCRA 611 ( a ) ( 5 ). 
XXXX. Provide written confirmation of the deletion and the results of your investigation within the time required by law. 

This declaration and accompanying documents constitute my formal Identity Theft Report under federal law. Pursuant to the FCRA, you are required to block and delete unverifiable or fraudulent information within XXXX  days of receiving this notice. 

Executed on : XX/XX/XXXX Signature : 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 2025-11-05 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:
I am writing to formally dispute several inaccurate and misleading items currently being reported on my Experian and Equifax credit file. These accounts are reporting incorrect late payment information and other inconsistencies that do not accurately reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), particularly 602 and 611 ( 15 U.S.C. 1681e ( b ) and 1681i ), I am requesting a reinvestigation and correction or removal of the following accounts : Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6600.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3600.00}

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 2025-11-05 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: TN

Complaint narrative:
A XXXX loan was added to my credit reports around XX/XX/year> without my authorization. I did not apply for, receive, or benefit from this loan. I only became aware of the account when late payment information began reporting, harming my credit. I have not received mailed billing statements, validation, or any written notice identifying how this account was opened or verified.

I disputed the account through Experian, but the furnisher verified it without providing any documentation. I requested copies of the original signed loan agreement, identity verification records, device/IP logs, and payment authorization data used to open the account. I did not receive any of this information.

Because I never authorized this account, I also filed an FTC Identity Theft Report and provided supporting documents. Under FCRA 609 ( e ) and 623, the furnisher must provide documentary evidence that I created or authorized the account. Reporting delinquency without providing proof continues to damage my credit and may constitute failure to properly investigate an identity theft claim. 

I am requesting assistance because the company has continued to furnish negative information without supplying evidence, verification, or documentation.

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 2025-11-05 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: FL

Complaint narrative:
I am sending this dispute to formally challenge the inaccurate late payment information being reported on several open accounts listed under my credit file, specifically XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Upon review of my verified records, I have determined that the reported payment histories for these accounts contain errors that misrepresent my actual payment performance. The XXXX  XXXX XXXX account, with a balance of {$3000.00}, has always been paid on time, yet is inaccurately reported with late payments that do not exist. The XXXX XXXX account, opened XX/XX/XXXX, and last reported XX/XX/XXXX, reflects false late activity despite no supporting documentation. The XXXX XXXX XXXX account, opened XX/XX/XXXX, and reported with a {$0.00} balance, also contains incorrect late payment data that may have been confused with a separate charged-off account, XXXX XXXX XXXX. These inaccuracies violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681i ( a ), which require that all information furnished and reported be accurate, complete, and verifiable. Reporting unsubstantiated delinquencies further violates FCRA 1681s-2 ( a ) ( 1 ) ( B ) and 623 ( b ), which prohibit knowingly providing or failing to correct inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MO

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

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 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: AZ

Complaint narrative:
Unfortunately I am part of the XXXX  XXXX  and as mentioned before I am struggling with making these payments,, .. I am however able to make a payment for the credit limit which is XXXX and would like to know If this can be considered to close out the account and considered settled.the principal balance of {$1200.00} plus the credit limit of XXXX is to expensive to pay off and not doable at this time but XXXX I can possibly pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 am filing this complaint against Experian, Transunion, and Equifax for the continued reporting of fraudulent and inaccurate credit accounts, in violation of the Fair Credit Reporting Act ( FCRA ). 

My credit report currently lists XXXX accounts that are fraudulent and unverifiable : XXXX XXXX  XXXX ( Account ending in XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) Both accounts were disputed directly with the furnishers and with your bureau, and formal Debt Verification Letters were mailed and delivered on XX/XX/year>, with XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX ( Delivered XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Delivered XXXX, PA XXXX XXXX Neither furnisher has provided proper validation, yet these accounts remain on my credit file.

FCRA 611 : You have failed to remove or correct unverified and disputed data within the time required by law.

FCRA 605B : You are required to block fraudulent information within XXXX business days of receiving proof of identity theft documentation. 

The FTC Identity Theft Report system is currently unavailable due to the federal government shutdown ; however, my notarized affidavit of fraud and supporting documents serve as lawful verification under 605B ( b ) ( 2 ). 

This complaint requests an immediate investigation and deletion of both fraudulent accounts from my credit file.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Despite my numerous requests they are all turned down for XXXX. Since opening this account I have XXXX other accounts paid as agreed. I was just at XXXX score using their own software. Today I got a XXXX  metal XXXX card and XXXX XXXX  on my XXXX XXXX XXXX in about XXXX mins. This company is manipulating the profit buy keeping customers down, its an algorithm. In addition they now block my business email info XXXX XXXX Despite multiple attempts to fix this severely limiting business maneuver they stone wall. I have contacted them XXXX times to whitelist my email. It has a negative business impact on XXXX who only can receive me on this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
XXXX version of my credit file lists the wrong employers and mismatched tradeline data compared to XXXX  and XXXXXXXXIt continues to report collection accounts I have formally disputed, yet no reinvestigation results were sent.  XXXXThis inconsistent reporting makes my Equifax file materially inaccurate and has contributed to adverse credit decisions, including a denial from XXXX XXXX XXXXOn XXXX XXXX XXXX I mailed a Certified Mail dispute to Equifax, which was delivered and signed for as shown by XXXX XXXX XXXX XXXXtracking noXXXX XXXX XXXX XXXX XXXX XXXXDespite verified receipt, Equifax did not conduct or document a reinvestigation within the XXXX  days required by FCRA 1681i(a).\XXXXThis shows a disregard for the accuracy obligations imposed under FCRA 1681e(b) and 1681i.\XXXXStatutes involved:XXXXFCRA 1681e(b): failure to assure accuracy and completenessXXXXFCRA 1681i(a): failure to reinvestigate disputes within XXXX  daysXXXXFCRA 1681c: reporting obsolete or unverifiable information'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/year>, spouse inquired about KeyBank XXXX XXXX  {$500.00} promotion ( code XXXX, valid until XX/XX/year> ). On XX/XX/year>, during in-branch account opening, I qualified for XXXX XXXX XXXX  with {$500.00} bonus ( XXXX ). My account numbers are XXXX ( checking ) and XXXX ( savings ). Representative opened both checking and savings accounts ( despite only requesting checking account for promotion ). During process, representative repeatedly confirmed bonus eligibility, stating he had opened many accounts for similar situations successfully. 

On XX/XX/year>, received email stating promotions not honored due to undisclosed XX/XX/XXXX branch restriction - never mentioned during account opening. XXXX refused written confirmation of denial. Issue was initially included in spouse 's CFPB complaint XXXX XXXXXXXX. On XX/XX/year>, KeyBank contacted spouse about resolving his {$300.00} promotion but cited privacy concerns regarding my {$500.00} promotion. Sent separate email on XX/XX/year>, but received no response. 

Account was opened specifically for promotion, which remains advertised until XX/XX/year>. Would not have opened accounts and incurred XXXX  inquiry without promotional offer. Despite resolving spouse 's promotion, KeyBank continues to ignore my legitimate claim for the {$500.00} bonus that was promised during account opening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
I submitted my XXXX  loan modification hardship packet to Planet Home Lending on XX/XX/XXXX. On XX/XX/XXXX, I also mailed a XXXX  XXXX Qualified Written Request for full loan accounting and explanation of modification status ( delivered XX/XX/XXXX ). XXXX never provided the required response or correction. Instead, they falsely claimed a XXXX existed from XXXX XXXX XXXX XXXX XXXX, even though that debt was XXXX in my XXXX bankruptcy and verified as paid. XXXX used this false XXXX  to delay or deny my modification. HUD-approved counselors XXXX XXXX and XXXX XXXX failed to escalate or resolve the issue, directing me to seek legal aid instead of intervening. I am requesting CFPB investigation for XXXX noncompliance, misrepresentation of XXXX status, and unfair handling of my XXXX  loss mitigation review. I seek a full accounting, written correction, and reinstatement of my modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Complaint Against JPMorgan Chase Bank , N.A . 

Company : JPMorgan Chase Bank , N.A . ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Complaint Narrative : JPMorgan Chase, as custodian for my Interactive Brokers account ( XXXX ), delayed returning rejected wire funds. 
On XX/XX/year>, withdrew USD XXXX to XXXX XXXX Bank ( IBAN : XXXX, SWIFT : XXXX  ). 
Refs : XXXX, XXXX, XXXX, Transmitted XXXX XXXX XXXX, Value Date XX/XX/year>. 
XXXX rejected ( address mismatch ). As of XX/XX/year>, funds not returned despite processing via JPMorgan ( XXXX : XXXX, XXXX : XXXX ). XXXX complaint XXXX unresolved. This causes losses. 

Desired Resolution : Return full USD XXXX plus interest/fees, explain delay, compensate for harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
According to case number XXXX filed in XX/XX/year>, trade line was supposed to be deleted for debt not owed. Issue was resolved from collections but not accounts on credit report. The account numbers for the information that was previously reported was XXXX and XXXX from Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-11-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: MA

Complaint narrative:
This XXXX XXXX XXXX account has been deleted multiple times after my prior disputes. XXXX official investigation results dated XX/XX/year> confirm that the account was removed. Despite this, the same account was reinserted on XXXX XXXX XXXX XXXX  without providing the mandatory XXXX reinsertion notice required under FCRA 611 ( a ) ( 5 ) ( B ). I never received any notice from any bureau.

The alleged debt originally dates back to approximately XXXX, yet XXXX and the bureaus repeatedly re-aged the account by assigning false Date Opened, Date Reported, and Date Reopened dates in XXXX. This violates FCRA 623 ( a ) ( 5 ) and creates an inaccurate and misleading credit history.

I have screenshots showing : Prior deletion ( XXXX  XX/XX/year> letter ) WalletHub alert stating the account dropped off XXXX  alert stating the account was reopened in XX/XX/year> New XXXX entries showing re-aged dates USCB letters failing to provide proper validation No reinsertion notices from any bureau These repeated reinsertions have harmed my credit score and my ability to secure housing and auto financing. I request immediate permanent deletion from all bureaus, copies of any documents allegedly used to justify reinsertion, and an investigation into these FCRA violations.

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-05 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: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief