vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: AL

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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kovo
State: SC

Complaint narrative:
Dear [ Credit Bureau Name or Credit Reporting Department if sending directly to Kovo Inc ], I am writing to formally dispute inaccurate and damaging information that appears on my credit report in connection with the closed account reported by Kovo Inc ( account number ending in XXXX ). This account is listed on my credit file with XXXX XXXX XXXX XXXX and has been reported with a history of late payments, including severe delinquencies of 30, 60, 90, and 120+ days.

I assert that this information is inaccurate and does not reflect my payment history or obligations accurately. Additionally, this account 's continued presencealongside the reported late paymentsconstitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), as the information furnished is not entirely accurate, nor can it be verified by me.

This inaccurate reporting is negatively impacting my credit score, limiting my access to competitive interest rates, and preventing me from qualifying for improved credit terms and limits. I demand that the following actions be taken immediately : Complete deletion of the Kovo Inc account ( ending in XXXX ) from all three credit bureaus XXXX XXXX XXXX XXXX XXXX 

Removal of all late payment notations and derogatory marks related to this account. 

Notification to all credit bureaus of the corrections made. 

Attached are copies of my credit reports reflecting this account, as well as my personal identification for your verification. 

Under the FCRA, I expect a full investigation to be completed within 30 days, and written confirmation of the results to be sent to me. If this issue is not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel for damages caused by inaccurate credit reporting. 

Please confirm in writing that this account and all associated negative items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA XXXX ( a ) ( XXXX ) ( A ) requires furnishers to promptly remove unverifiable information. Under XXXX ( XXXX XXXX. XXXX ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under XXXX exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax $ XXXX ; XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
In accordance with XXXX C.F.R. XXXX ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
I am a victim of identity theft. The accounts reporting to my credit report do not belong to me. The accounts are : XXXX XXXX XXXX opened XX/XX/2017, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX. I have attached an FTC report ( report number XXXX ). I also have attached a FCRA XXXX ( XXXX U.S.C. XXXX ) and XXXX and XXXX and XXXX. I am asking that Equifax, Transunion, and Experian remove or block these accounts from reporting to my credit report within XXXX  days of receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health. I have been a victim of identity theft since I was XXXX XXXX XXXX, beginning when someone broke in my families home and stole critical documents including my birth certificate and social security card. This crime continues to create severe barriers during foundational years of my life and damaging my credit. I have never had/applied for a XXXX XXXX or a car loan. I am also on XXXX XXXX for an account I wasn't aware of. All of these items are a direct result of Identity theft There are collection accounts reporting as well. I have never lived at the following addresses XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX. XXXX XXXX XXXX XXXX XXXX, Ca XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. I am not associated with these phone numbers 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 non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
Duty pursuant to the FCRA, it is TransUnion to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting inaccurate late payments for the XXXX  account XXXX ; see attached. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TransUnion violating my federally protected consumer rights. To add to this, I did NOT give TransUnion written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TransUnion has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2025-06-25 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 a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to t
his law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Accounts : XXXX. XXXX XXXX These accounts were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/XXXX which transaction happen reported to chime on XXXX XXXX which at that time was advise would receive an credit back to my account by supervisors of chime. No refund recieved. Chimes conduct was unfair in violation of the Consumer Financial Protection Act of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AL

Complaint narrative:
Please remove all unauthorized fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-25 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: AL

Complaint narrative:
Please remove all unauthorized fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-25 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: CA

Complaint narrative:
I have thoroughly reviewed my credit report and discovered a fraudulent account that do not belong to me. I expect this account to be removed immediately, as it is adversely affecting my ability to secure credit. Thank you for addressing this matter promptly

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 2025-06-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
I was very young at the time and trying to get my finances in order when I was misled by a debt consolidation company into signing up for their services. They presented themselves as a legitimate and trustworthy company that would help reduce my debt, negotiate with creditors, and manage monthly payments on my behalf. 

They assured me that I should stop making payments to my creditors and instead send payments directly to them. Trusting their guidance, I followed their instructions and believed they were working in my best interest. Unfortunately, they failed to make the promised payments or settle my accounts. I had little financial knowledge at the time and was relying on what I thought was professional help. 

As a result of their deceptive practices and broken promises, several of my accountswent into delinquency and were charged off. These charge-offs remain on my credit report and have seriously damaged my financial standing, even though I acted in good faith and tried to be responsible. 

I am asking that this company be investigated for deceptive business practices that took advantage of young, financially inexperienced consumers like me. I also request help in correcting the credit damage caused by their failure to act as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Dear Hunter Warfield INC, I am writing in response to a letter I received from your office regarding an alleged debt you claim I owe. Please be advised that I am requesting validation of this debt, as provided for by

the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; A detailed breakdown of how the amount was calculated ; Verification that you are legally authorized to collect this debt in my state ; A copy of any judgment ( if applicable ) ; Copies of documents bearing my signature showing that I agreed to assume this debt. 
Please cease all collection activities, including reporting this debt to credit bureaus, until the requested validation is provided. If you do not provide the requested documentation, you must cease collection efforts as required by law. 

This letter is not a refusal to pay, but a request for validation. I request that all future communications regarding this matter be in writing only. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
XXXX XXXX XXXX - On XXXX credit report they're reporting that they are the original creditor and another report it's reporting that the original creditor is XXXX XXXX. 
Account number is XXXX ; Balance is {$2500.00} XXXX XXXX XXXX is {$880.00} XXXX XXXX Account number is # # # # # # # XXXX XXXX XXXX XXXX XXXX Account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XX/XX/year>, I received a collection notice for {$2400.00}. My records show the actual balance was approximately {$40.00} after payments and adjustments. On XX/XX/year>, I mailed a formal dispute and validation request via Certified Mail, which was received by the company on XX/XX/year>. I also submitted an electronic dispute on XX/XX/year>. Despite this, I received text message collection attempts after XX/XX/XXXX, in violation of 15 USC 1692g ( b ). The company has not provided validation as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
Was made aware that Chex Systems Inc was buying, selling and trading my personal information without my consent. This is identity theft.

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