vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: IN

Complaint narrative:
I have been a victim of Identity theft. Experian, Transunion and Equifax are violating my rights. I have disputed with multiple attempts. I have provided all necessary documentation. Police report, FTC report, along with ID verification.

Subject : Fraudulent Account Dispute & Request for Blocking Under FCRA 605B ( 15 U.S.C.

1681c-2 ) Dear Equifax, I am writing to dispute the following fraudulent accounts that appear on my credit file. These accounts were opened fraudulently and do not belong to me. I did not authorize them, nor am I responsible for any charges related to them : - XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$3000.00} - XXXX  ( XXXX ) Account Number : XXXX Balance : {$3600.00} - XXXX Account Number : XXXX - XXXX  XXXX - XXXX {$7200.00} - XXXX {$400.00} - XXXX {$330.00} - XXXX {$580.00} - XXXX {$210.00} - XXXX Account Number : XXXX - XXXX XXXX Account Number : XXXX Balance : {$4000.00} - XXXX XXXX XXXX ( Collection Account ) Balance : {$5400.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), you are required to block and remove all information resulting from identity theft from my credit file within 4 business days of receiving :

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: NJ

Complaint narrative:
I am unaware of this debt, I didn't have the opportunity to dispute this information, If in fact you believe you gave me proper notification, then please send me the certified receipt with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be the maximum possible accuracy. These errors are weighing heavily on me and continue to affect me in ways you can not begin to imagine. These are trying times, and it would be a great help to me, a true blessing, if these inaccuracies were corrected and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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 writing to dispute a late payment shown on my report. Given my history of timely payments, I believe this is a reporting error that needs prompt correction.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX New TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Account Not Found XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Account Not FounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Account Not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion

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 2025-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I purchased an XXXX XXXX for {$350.00} from XXXX on XX/XX/year>, but I only received a charger. I contacted XXXX to resolve the issue, but they did not correct it. I then disputed the charge with my bank and provided proof, including the receipt, photos of the charger, and communication with XXXX. Despite this, my bank denied my claim. I am requesting a refund of {$350.00} because I did not receive the item I paid for.

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 2025-08-28 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am filing the XXXX identity theft to report five separate fraudulent accounts, appearing un my consumer file credit report, which I do not recognize as reported in which are the results of identity, theft and fraud. These fraudulent accounts consist of rental apartments open between the years of XXXX THROUGH XXXX including XXXX XXXX XXXX, XXXX XX/XX/XXXX collection accounts Acima Digital FKA simple XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credible report. I Demand the aforementioned fraudulent items be removed from each of my consumer credit report and that all collection activities related to said items cease pursuant to my rights with the FCRA and FDCPA law. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year>, I used XXXX XXXX XXXX to process a payment of {$4000.00}. Shortly after, Chase Bank informed me that the transaction could not be authorized because the card was in my name and appeared to be a cash advance. Chase instructed me to refund the money back to the card, which I did the same day. 

By XX/XX/year>, the refund had not posted. I contacted XXXX XXXX and filed a dispute, since Chase was holding the funds and refusing to release them. XXXX XXXX credited my account {$4000.00} on XX/XX/XXXX. 

In XX/XX/year>, I again used XXXX XXXX XXXX to process payments from three credit cards. However, the funds were never released. When I contacted Merchant Card Services at the end of XXXX, I was told my funds were being withheld because they claim a {$4000.00} refund was issued, and then XXXX XXXX also provided another {$4000.00} due to the dispute. 

Since XXXX, I have been calling two to three times weekly to resolve this matter. In early XXXX, I even arranged a three-way call with XXXX XXXX to confirm that there were not two separate {$4000.00} payments. Despite providing bank statements and proof that I never received duplicate funds, Chase/XXXX XXXXXXXX XXXXs continues to hold my money. 

This has created a serious financial hardship for my small business. I have complied with all requests and provided documentation, yet Chase will not release my rightful funds. It appears there is a transaction error on their side, but they are refusing to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : FCRA 605B Request for Deletion of Fraudulent Accounts, Data Breach Claim & Full File Disclosure To Whom It May Concern, This is a FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Block Request. Enclosed is my FTC Identity Theft Report. You must block and delete the fraudulent accounts below within 5 business days : 1. XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$840.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$810.00} Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX. XXXX/ Authorized User Accounts XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$450000.00} Date Opened : XX/XX/XXXX XXXX. Obsolete Accounts XXXX XXXX, and others older than 7 years. 
These accounts and inquiries represent both FCRA violations and a data breach under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) due to Equifaxs failure to protect my personal information.

Under FCRA 609, I also demand a full file disclosure including : All information in my file, Sources of all information, All inquiries in the past 12 months, All recipients of my credit report.

Fair Resolution Request I formally request, pursuant to FCRA 605B, that Equifax block all fraudulent accounts, charge-offs, and hard inquiries identified in my CFPB complaint from my consumer credit file within five ( 5 ) business days of receipt. Please send all written confirmation regarding this CFPB complaint to XXXX ( and copy my primary email above ). 
Failure to comply will result in regulatory complaints with the CFPB, FTC, and State Attorney General, and litigation seeking statutory, actual, and punitive damages. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-28 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 EPORTED 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint against TransUnion, LLC for their refusal to properly investigate my credit dispute, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi. 
On XX/XX/year>, I submitted a written dispute to TransUnion regarding inaccurate items appearing on my credit report. Along with my dispute, I attached all required documents, including proof of identity and supporting evidence, as required under FCRA. Despite providing the necessary documentation, TransUnion refused to conduct a proper investigation and failed to correct or delete the disputed information. 
Violations Committed by TransUnion : Failure to Conduct a Reasonable Reinvestigation Under FCRA XXXX ( 15 U.S.C. XXXXi ), TransUnion is required to conduct a reasonable reinvestigation of disputed information. Instead, they summarily dismissed my dispute without proper review. 


Failure to Consider Documents Provided I submitted supporting documentation proving inaccuracies, but TransUnion ignored the evidence. 


Failure to Ensure Maximum Possible Accuracy As required under FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ), TransUnion is obligated to maintain maximum possible accuracy of information in my file. 
Because of TransUnions refusal to conduct a lawful investigation, inaccurate negative information remains on my credit report. This has caused and continues to cause me significant financial harm, including denial of credit opportunities and damage to my creditworthiness

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 2025-08-28 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 dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State ZIP Portfolio Recovery Associates [ Portfolio Address check your collection notice or their website ] Re : Cease and Desist Account Number [ Insert if known ] To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX ( c ), I am formally requesting that Portfolio Recovery and any agents, affiliates, or representatives cease all communication with me regarding the above-referenced alleged debt. 

Please be advised that I dispute this alleged debt in its entirety. I do not acknowledge any liability to your company or its affiliates. 

As required by law, after receiving this letter, you may only contact me to confirm that you will stop further communications or to inform me of specific legal remedies you intend to pursue. Any other contact will be considered harassment and a violation of federal law. 

I also request that you do not contact me at my place of employment, by telephone, or through any third parties. 

Thank you for your cooperation. Please govern yourselves accordingly. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: ND

Complaint narrative:
In XXXX, I opened a credit card with XXXX XXXX XXXX, who provides credit card services for XXXX. The card had a limit of ~ {$20000.00} and the terms were 0 % APR for XXXX  months. After using the card for ~ {$7000.00}, XXXX XXXX XXXX canceled the card, alleging unspecified fraud. They followed this with a letter explaining that the 0 % APR would only remain in effect for XXXX days, after which interest charges would accrue on the debt. This seems like a blatant bait and switch scheme.

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 2025-08-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX XXXX XXXXXXXX ] Creditor Name : [ XXXX ] Account Number : [ ]

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 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: TX

Complaint narrative:
I was reported a late payment by MOHELA a student loan. It was on paused because of XXXX and whenever they opened again in order to collect payment as normal payment. I didnt realize and I missed the payment. They tried to reach me out but I never respond a call because I thought they were scam calls. However I already payed the whole amount and the account is closed. It was my mistake and I understand I just wan na see if I can get away from that late payment on my credit report I would appreciate it. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I believe a late payment has been incorrectly reported on my account. Please review this urgently in light of my timely payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
The company XXXX M & T Bank ) posts hang tags on doors requesting a call regarding a debt. 
I have no debt with this bank, no account and have never have heard of it. Called to find out what was going on. The bank rep repeatedly requested my SSN which I refused to give. When asked what was going on and why was this hang tag was placed on my door, the rep had no idea. This is apparently an attempt to obtain SS numbers. It has to be stopped. No creditable company, least of all a creditable bank goes around putting hang tags on doors to obtain SS numbers. Clearly this is a violation of honorable practice and the bank should be censured.

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 2025-08-28 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: FL

Complaint narrative:
Transunion keeps on telling me my information is verified. Under the fair credit reporting act section XXXX ( A ) ( XXXX ) I have the right to request a detailed description of the procedureXXXX XXXX they claimed verified with no details. Id they do this this time court plus {$1000.00} per violation plus damages.

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