vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAST OF XXXX XXXX Date : XX/XX/XXXX Re : Request for Security Freeze on My Credit File Dear Credit Bureau , I am formally requesting a security freeze ( credit freeze ) be placed on my credit file maintained by your agency in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605A. 

This request is made to prevent unauthorized access, credit inquiries, or the opening of new credit accounts in my name without my express consent. 

Personal Information : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LAST OF Social Security Number : XXXX Date of Birth : XX/XX/XXXX My Demands : Place a credit freeze on my file immediately. 

Provide me with written confirmation and a PIN or password that must be used to lift or temporarily suspend the freeze in the future. 

Ensure no third party has access to my credit file without my express written authorization. 

Please process this request immediately and send confirmation to the address listed above. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LexisNexis Risk Solutions ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-14 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: NY

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX- XX/XX/year> Account Name : XXXX, Account 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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2025, I was contacted by a woman claiming to be a parent who wanted to book soccer training sessions for her XXXX  XXXX  XXXX. She said she was under medical care at a hospital and would send her driver to drop off and pick up the children. 

She offered to book 10 sessions and sent me four fake checks of {$450.00} each. She then asked me to pay her driver {$900.00} from those funds before the first session, claiming it was the drivers fee. Because of her story, I trusted her and attempted to send the money. XXXX allowed me to transfer only {$500.00} due to first-time transfer limits, so I sent {$500.00}. 

Later, Chase froze my account after identifying the checks as fraudulent. At that point, I realized I had been scammed. I immediately requested Chase to refund the {$500.00}, but the bank refused, stating that it was the customers decision. 

This was not a normal transaction, it was a well-known fraudulent scheme involving counterfeit checks and XXXX transfers . I am filing this complaint because I was deceived, and I request Chase to refund the {$500.00} lost due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NV

Complaint narrative:
I have disputed this account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX is it ignoring my request and a XXXX credit bureaus are not taking helping and still reporting after they ignore my disputes to correct errors

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 2025-09-14 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: NV

Complaint narrative:
I have disputed this account with XXXX XXXX XXXX, XXXX  and Experian XXXX XXXX is it ignoring my request and a XXXX credit bureaus are not taking helping and still reporting after they ignore my disputes to correct errors

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 2025-09-14 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: NV

Complaint narrative:
I have disputed this account with XXXX XXXX XXXX, Equifax XXXX XXXX XXXXXXXX XXXX is it ignoring my request and a XXXX credit bureaus are not taking helping and still reporting after they ignore my disputes to correct errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My account balance is off by {$1700.00} when adding the debit and subtracting the credits. 
The Balance in the Bank Statements matches except for 2 months totaling a variance of XXXX additional funds that should be in my bank account. America First is also using the overdraft account when the checking is not out of funds. I have verified on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tilt Finance, Inc.
State: MI

Complaint narrative:
Paid monthly fee of {$8.00} for an unknown amount of time. Completely unaware of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1100.00} XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00}

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts I have repeatedly disputed and requested deletion for including collections such as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have been reinserted into my credit file without my consent or proper written notice, as required by FCRA 611 ( a ) ( 5 ) ( B ). I received no written notification within 5 business days of these reinsertions, which is a clear statutory violation.

I am demanding the permanent removal of all reinserted accounts and every other unresolved negative item from my report within 5 days, including closed accounts, charged-off debts, and inquiries. 

I have given the credit bureaus multiple opportunities to correct these issues amicably through previous disputes and formal CFPB complaints but all Ive received are stalling messages, copy-paste responses, and a continued refusal to comply with federal law. 

My personal data was exposed in the XXXX XXXX XXXX XXXX XXXX XXXX TransUnion data breaches, and I now face elevated risk of identity fraud and misuse. As such, I no longer recognize or accept any verification efforts performed with compromised personal data, and you are not permitted to reinsert or verify any information using data from those breaches. 

I am out of patience. I will pursue legal action for damages without further notice. I am preparing formal complaints with the FTC, my State Attorney General, and civil court, and I am requesting full deletion of all disputed items and inquiries as fair and just resolution. 

This is your final notice. Comply within XXXX business days or I will escalate aggressively

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts I have repeatedly disputed and requested deletion for including collections such as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have been reinserted into my credit file without my consent or proper written notice, as required by FCRA 611 ( a ) ( 5 ) ( B ). I received no written notification within 5 business days of these reinsertions, which is a clear statutory violation.

I am demanding the permanent removal of all reinserted accounts and every other unresolved negative item from my report within 5 days, including closed accounts, charged-off debts, and inquiries. 

I have given the credit bureaus multiple opportunities to correct these issues amicably through previous disputes and formal CFPB complaints but all Ive received are stalling messages, copy-paste responses, and a continued refusal to comply with federal law. 

My personal data was exposed in the XXXX XXXX XXXX XXXX XXXX XXXX TransUnion data breaches, and I now face elevated risk of identity fraud and misuse. As such, I no longer recognize or accept any verification efforts performed with compromised personal data, and you are not permitted to reinsert or verify any information using data from those breaches. 

I am out of patience. I will pursue legal action for damages without further notice. I am preparing formal complaints with the FTC, my State Attorney General, and civil court, and I am requesting full deletion of all disputed items and inquiries as fair and just resolution. 

This is your final notice. Comply within XXXX business days or I will escalate aggressively

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: MI

Complaint narrative:
I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, incomplete, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Disputed Items : Wrong/Unverified Addresses XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX These addresses are not mine and should not appear on my credit file. Their presence creates confusion and increases the risk of identity-related inaccuracies. 

XXXX  XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX High Credit : {$560.00} Reported Late Payment This account is reporting late payments inaccurately. I dispute the completeness and accuracy of this reporting. Under FCRA 1681s-2 ( b ), furnishers must ensure maximum possible accuracy. 

XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} Collection I dispute this collection as it is unverified and may be inaccurate. Under the FDCPA 809 ( a ), the collector is required to provide proper validation, which has not been furnished. 

XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection This collection account is inaccurate, unverified, and damaging. XXXX has a known history of reporting unverifiable debts. Unless they provide complete chain-of-title documentation, this account must be deleted. 

Violations : Failure to maintain accurate reporting ( FCRA 1681e ( b ) ).

Failure to investigate disputed information ( FCRA 1681i ).

Continuing to report unverifiable or incorrect debts ( FCRA 1681s-2 ( b ) ).

Debt collectors failing to provide validation before reporting ( FDCPA 809 ).

Requested Relief : Immediate deletion of the wrong addresses from my credit file.

Full investigation and removal of all unverified/incorrect accounts listed above.

Written confirmation of corrections from both the credit bureaus and furnishers.

Oversight by CFPB to ensure compliance and prevent recurrence.

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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I got a notification from XXXX XXXX saying that I was added as an authorized user to a Citibank credit card which I didnt authorize and have no idea who added me. It has a {$4900.00} balance and dropped my credit score significantly. At the part of this where you asked about the billing address for the credit card I had to put my address because I dont know whos card it is or where they live.

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 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
Contacted the company in XXXX and no information has been obtained I would like this account deleted immediately. As Im unaware of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: VA

Complaint narrative:
Request for Deletion Inaccurate Reporting of XXXX Account XXXX XXXX XXXX XXXX I am writing to formally dispute the XXXX  account ( XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. After reviewing the report carefully, I found multiple serious inaccuracies that make this account unverifiable and misleading. 

Here are the key issues : 1. Account Status Conflict Experian reports this account as Paid, while TransUnion and Equifax report it as Derogatory/Charge-Off. The same account can not be reported with two different statuses.

2. Contradictory Comments TransUnion states Paid profit and loss, Experian states Unpaid balance reported as a loss, and Equifax states Paid charge off. These directly contradict each other.

3. Inconsistent Dates The date of last payment and date of last activity are different across all three bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). This shows the data is unreliable. 

4. Credit Limit Errors Equifax lists the credit limit as {$0.00}, while TransUnion and Experian report {$350.00}. A line of credit can not have both a {$0.00} and {$350.00} limit.

5. Payment History Contradictions Experian shows charge-offs and late payments, while Equifax shows OK for the same months. Both can not be correct.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2, all data furnished to the bureaus must be accurate and consistent. Since this account is reported with multiple contradictions and unverifiable information, I am requesting the immediate deletion of this tradeline from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
I discovered that XXXX XXXX has reported a late payment on my Equifax credit report under account number XXXX. This information is inaccurate. I have never been late on this account, and I have proof of timely payments, including bank statements and account records. 

I submitted a dispute to Equifax requesting an investigation and removal of the late payment notation. Despite providing supporting documentation, the inaccurate information remains on my credit report, negatively impacting my credit score and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX my Identity has been stolen no action has been took reported it for the last 2 years thats the information is not right its not mines I would like for this to be off my report because I am in a bad situation at the time beinging Identity and I was reporting the fact of it was missed identity and nothing have been resolved yet information is inaccurate no physical proof has been shown that its mines or I have been around for the problem XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: VA

Complaint narrative:
I am disputing the accuracy of the following account being reported on my credit file : Account Name/Number : [ XXXX ]/ XXXXXXXX XXXX XXXX XXXX XXXX  This account must be deleted immediately due to the following errors and violations of the Fair Credit Reporting Act ( FCRA ) : 1. The account is reported as Paid, yet it also reflects a Charge-off/Collection status. An account can not be both paid and charged off at the same time. This is contradictory, inaccurate, and misleading.

2. Experians comment states Unpaid balance reported as a loss, even though the account shows a {$0.00} balance and status of Paid. This is factually false and constitutes inaccurate reporting.

3. The payment history shows continuous charge-off notations every month for multiple years. A charge-off is a one-time event and may not be reported repeatedly. This practice is considered re-aging, which is strictly prohibited under the FCRA.

These reporting errors violate 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum accuracy in reporting. Since the account contains multiple factual inaccuracies and prohibited reporting practices, I demand its complete deletion from my credit file with all three bureaus.

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 2025-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Dear Credence Resource Management, I am writing to formally dispute the validity of the alleged debt that you claim I owe to XXXX XXXX XXXX. This is the third time XXXX XXXX XXXX has sold or shared my personal information without my authorization or consent, which has now resulted in damage to my credit report and score. I have never had any business relationship or account with XXXX XXXX XXXX nor did I authorize this alleged account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide proper validation of this debt, including but not limited toProof that I am legally obligated to pay this debt. 
A copy of any signed agreement or contract showing my responsibility. 
A full payment history and itemization of the alleged account. 
Proof that you are legally authorized to collect this debt. 

Until this information is provided, you must cease all collection activity per 15 U.S.C. 1692c ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a victim of identity theft and XXXX  data breach. Please remove items off my report and stop creditor reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation