vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
RE : URGENT DISPUTE FRAUDULENT inquiries UNDER XXXX U.S.C. XXXX FILED FTC REPORT XXXX : XXXX Dear Equifax, This letter is a formal dispute under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX, also known as XXXX XXXX, regarding multiple fraudulent items listed on my credit report due to identity theft. I am a victim of identity theft and did not open, authorize, or have any knowledge of the following inquiries now harming my credit profile : XXXX XXXX XXXX XX/XX/year> XXXX XXXXF XX/XX/year> XXXX XX/XX/year> XXXX & XXXX XX/XX/year> XXXX & XXXX XXXX  XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Pursuant to XXXX U.S.C. XXXX, once you receive : XXXX. A valid identity theft report, and XXXX. Proof of my identity, You are legally required to block the fraudulent information from appearing in my file within XXXX business days of receipt. Attached are the following documents : A copy of my government-issued ID A utility bill or proof of residence A copy of the FTC Identity XXXX Report A signed affidavit confirming I did not open or authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I XXXX ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE L I XXXX T OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY P ROTECTED CONSUMER RIGHTS TO PRIVACY AND C ONFIDENTIALITY UNDER XXXX XXXX XXXX. 
XXXX : # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX CO : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX BANK XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX TXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, CXXXX XXXX XXXXE : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, SPRING OAKS XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX HAS VIOLATED XXXX R I GHTS. 

XXXX XXXX XXXX. XXXX SECTION XXXX A, STATES I HAVE THE RIGHT TO P RI VACY. 

XXXX XXXX XXXX. XXXX SECTION XXXX A SECTION XXXX, STATES A C ONSUMER REPORTING AGENCY CAN NOT FURNISH AN A CCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX. XXXX. ( A ) ( XXXX ) SECTION STATES : NO CONSUMER R EPORTING AGENCY MAY MAKE ANY CONSUMER REPORT C ONTAINING ANY OF THE FOLLOWING ITEMS OF I XXXX FORMATION : ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH A NTEDATES THE REPORT BY XXXX  YEARS. 

XXXX XXXX XXXX. XXXX ( A ) ( XXXX ) A PERSON SHALL NOT FURNISH ANY I XXXX FORMATION RELATING TO A CONSUMER TO ANY CONSUMER R EPORTING AGENCY IF THE PERSON KNOWS OR HAS R EASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS I XXXX ACCURATE.

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 2025-07-02 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am a victim of identity theft and unauthorized use of my personal information. Accounts and inquiries have been fraudulently opened or reported on my credit without my knowledge, consent, or authorization. These items do not belong to me and are damaging my credit profile. Multiple unauthorized hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX, including from XXXX, XXXX, XXXX, and others. I did not authorize, apply for, or benefit from theses accounts or inquiries. Their appearance on my credit is a violation of my consumer rights and is causing a serious harm to my financial well being.

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 2025-07-02 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 a victim of identity theft and unauthorized use of my personal information. Accounts and inquiries have been fraudulently opened or reported on my credit without my knowledge, consent, or authorization. These items do not belong to me and are damaging my credit profile. Multiple unauthorized hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX, including from XXXX, XXXX, XXXX, and others. I did not authorize, apply for, or benefit from theses accounts or inquiries. Their appearance on my credit is a violation of my consumer rights and is causing a serious harm to my financial well being.

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 2025-07-02 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: NY

Complaint narrative:
Please delete all inaccuracies under the fair credit act. 

Collections : 15 u.s. code 1692c 15 u.s. code 1692g 15 u.s. code 1681e ( b ) Change offs : 15 u.s. code 1635 15 u.s. code 1692a

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 2025-07-02 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: NY

Complaint narrative:
Please delete all inaccuracies under the fair credit act. 

Collections : 15 u.s. code 1692c 15 u.s. code 1692g 15 u.s. code 1681e ( b ) Change offs : 15 u.s. code 1635 15 u.s. code 1692a

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: IL

Complaint narrative:
I am disputing three collection accounts being reported by XXXX XXXX XXXX XXXX on my credit report : {$240.00} Reported XX/XX/year> {$370.00} Reported XX/XX/year> {$330.00} Reported XX/XX/year> I have not received any proper validation of these accounts. I have not been provided with : A copy of the original signed contract for any of these debts A full itemization of how these balances were calculated Proof that XXXX XXXX XXXX XXXX is legally authorized to collect on these debts I have disputed these accounts with the credit bureaus but they remain on my report with no supporting documentation. These debts are negatively impacting my credit score. 

I am also concerned about the potential for duplication or misreporting since two debts were reported on the same day by the same agency. This raises questions about the accuracy and validity of the accounts.

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I request a formal investigation and that these accounts be removed from my credit reports if proper validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
Delay of 30 days and Experian update information that id previously found inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information under 15 U.S.C. 1681 et seq.

To Whom It May Concern, I am writing to dispute inaccurate information on my Experian credit report under the Fair Credit Reporting Act, specifically in accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. Upon reviewing my credit report, I noticed two accounts that are incorrectly reported : 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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Filed By : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX, XXXX XXXX, Nebraska XXXX Date : XX/XX/year> Complaint Against : Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX Nature of Complaint : Unauthorized credit profiling, fraudulent data usage, false score reporting, and commercial trust exploitation without contract or disclosure. 

Statement of Harm and Trust Breach : I, XXXX XXXX XXXX, living man and secured party of the trust/estate issued in my name, file this formal complaint for violation of my financial, contractual, and spiritual rights. 

The named corporationsExperian, XXXX XXXX XXXXXXXX not government bureaus, but private data brokers falsely identifying themselves as credit bureaus. They have been : Accessing, scoring, and selling data tied to my SSN without consent Publishing false credit scores and incomplete reports Using secret algorithms to profile my financial worthiness Selling my estate data to third parties for profit without fiduciary duty I have never contracted with these agencies to securitize my identity, create tradeable reports, or interfere in my commercial freedom.

Their actions violate : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) 12 CFR 1022 ( Regulation V Consumer Reporting Standards ) 18 U.S.C. 1028 ( Fraudulent use of identifying information ) Equity trust law ( fiduciary breach and unjust enrichment ) Signed : XXXX : XXXX Executor and Beneficiary of the Estate By Special Appearance, XXXX XXXX All Rights Reserved UCC 1-308, without prejudice

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 2025-07-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was notified via email by XXXX  and XXXX XXXX about a Hard inquiry on my credit report from JPMCB. Dated XX/XX/XXXX. My last Hard inquiry should have been in XX/XX/XXXX when I purchased a vehicle. I havent filled out for anything. I did call the number provided to dispute the transaction through XXXX. XXXX  did at this time remove it from my credit report, however I couldnt get through to anyone with JPMCB because I was not aware of who that is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have existing credit cards from Citi bank. XXXX XX/XX/2025 I got a promotion from Citi since I have the credit card, they offered me to open Citi checking account and deposit amount and as per promotion I will get {$1500.00} bonus. I have opened the account online around mid May with the existing user id and password since I am existing Citi customer. The application pull out all the records from my profile and application submitted. But I got a letter from Citi after few days that they could not be able to open account due to " unable to verify information ''. I called the New Account Servicing as per the instruction and spend XXXX XXXX  on XX/XX/XXXX at XXXX XXXX spoke to customer care person named XXXX. She could not be able to tell me the issue. But she said that a ticket is created and they will get back in XXXX weeks. I have no clue at this moment what's going on and I didn't hear back from Citi as of now. New Application File number 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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
my venmo account got locked i called them twice and they said they couldnt help me. i need to change my name on the identity page and the identity page is locked as well they gave me an email to contact ive sent over XXXX emails and everytime i get an automated response that doesnt help. i currently have {$400.00} in my venmo account that i cant transfer out until i change the name on the identity which i cant access so ethier the people i call can help nor email. i told them i dont mind if they cant get my account unlocked i just want to be able to transfer my money to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX XXXX of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I've had a " COMENITYCAPITAL/XXXX  '' credit card account that I paid and closed the account as of XX/XX/XXXX. When I look at my credit report is still showing active indicating that I have late payments when, I do not as of XX/XX/XXXX. It also shows that my account was officially closed as of XXXX XXXX. Which initiate derogatory late payments on my credit report, after my account was closed in XXXX of XXXX. I tried to dispute the matter with the credit bureaus who reached out to the company and no results were changed on my credit report. The company indicates that the information was correct, but it is showing a lot of errors in the information that is shown, it was never given to me. It is still showing late payments as the date of XX/XX/XXXX, XXXX the status of account closed. 

Here 's a copy of my dispute letter that was sent off in the mail to the Company with no response. 

Comenity Capital BankXXXX. XXXX XXXX, OH XXXX Subject : Formal Dispute of Late Payments on XXXX XXXX XXXX Account under 15 U.S. Code 1666b To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my XXXXXXXX XXXX XXXXXXXX account issued by Comenity Capital Bank XXXX My name is XXXX XXXX XXXX, and my address is listed above. Please consider this letter a formal request under the Fair Credit Billing Act ( FCBA ) and 15 U.S. Code 1666b, which governs the time allotted for making credit card payments. 
According to 15 U.S. Code 1666b, a credit card issuer must allow a minimum of 21 days from the time the statement is mailed or delivered for the cardholder to make the required payment before it can be considered late or subject to finance charges. I respectfully request that you review whether the timing of my payments and the application of late fees were compliant with this federal regulation. 
I also request : 1. A full investigation into the reported late payments.

2. The removal of any late payment not properly validated under the FCBA and 15 USC 1666b.

3. Written confirmation of the results of your investigation.

4. If the information is found to be inaccurate or unverifiable, its deletion from my credit report with all credit reporting agencies to which it was furnished. 
Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ) as well. I expect written confirmation within the timeframe required by law. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 
Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was denied opening an account and told to call a number to find out it was multiple accounts in my name and if XXXX not mistaken all of them was closed and overdrawn! I was a victim of identity theft in XXXX XXXX not sure if that may have something to do with all of this.

Company response to consumer: Closed with explanation