vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I never activated this account. The representative told me that I shouldve read the fine print and that it didnt matter that I hadnt authorized it with an activation code. I do not want this card or I wouldve activated it, and now it is negatively affecting my credit. I dont have faith that the bank would remove this account since they activated it without my consent. I would like it removed immediately as it is negatively affecting my credit. The banks practice of activating the account without my expressed consent of completing the activation process seems suspicious and fraudulent. I want to ensure this is addressed and removed.

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 2025-05-16 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 2025-05-15 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:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX : {$3500.00}

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 2025-05-16 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 recently pulled my credit report and found very inaccurate accounts that are reporting. I have made a list of the information on the inaccurate accounts that I would like removed. I am in the process of expanding my business and can not get access to loans. Please review all attached documents and remove accounts that are listed. See Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or an account I have opened. The account was previously deleted and has been reinserted It is the result of identity theft. : XXXX. XXXX  XXXX 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 2025-05-15 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: PR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: PR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went into the bank around XX/XX/XXXX of 2025 and I deposited my check into my account and they gave me a date so I went back to the bank to check on it if everything was okay and next you'll know they close my account out now when I called asked why they close my account out they said it was fraud then I said it was I talked to the fraud supervisor and he did everything and said that I was fine told me that they was going to cut me my check and they never did I fought it with them for 2 months at the end of the day my check is cashing to my old account that's now closed they verified my IRS check it is real they say that my identity was not me but they let me open a new account with the same information I gave them for the first account they asked me for a whole bunch of paperwork I gave it to them and they told me at the end of the day that I'm not getting my money and all the paperwork that I gave them that they asked for they don't even accept

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I notified this company that I was added as authorized user without my permission or knowledge. The representative I spoke with in XXXX or XXXX assured me I would be removed from all of the account information and this would not negatively impact me in anyway. 

This was a retaliation tactic done by the account holder after filing felony XXXX  XXXX charges against him.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I want to dispute and request the permanent removal of a collection account being reported on my credit file by LVNV Funding. I have never heard of this company & need to obtain proper validation of this debt. no sufficient documentation can be provided by LVNV to demonstrate they have any legal authority to collect or report it.

To be clear, LVNV Funding is not the original creditor, and they have not provided any signed agreement or legally executed assignment proving ownership or transfer of this debt. I take my financial obligations seriously, but I also believe in ensuring all information reported about me is truthful, lawful, and fully verified.

Here are the grounds for my request : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to request proper validation. This includes the amount owed, the name of the original creditor, and verifiable proof of assignment or ownership. LVNV has not complied with this requirement in any meaningful way.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), any item listed on my credit report must be accurate and verifiable. If a company is unable to confirm the validity of an account, it must be removed. In this case, LVNVs failure to verify the debt warrants immediate deletion.

Under the Uniform Commercial Code ( UCC 9-406 ( c ) ), if I, as the alleged debtor, request proof of assignment, it must be provided. Without valid documentationincluding a signed contract or executed assignmentLVNV lacks standing to collect or report this account.

UCC 3-305 and 3-309 further outline that only a valid holder or a non-holder with holders rights can enforce a financial instrument. If the original instrument is lost, strict evidentiary standards apply. LVNV has not met any such burden.

Given these legal standards and their failure to meet them, I am requesting : Permanent deletion with prejudice of this collection account from all credit reporting agencies. This means it should not be sold, transferred, or reinserted at a later date.

Monetary compensation, as allowed under 15 U.S.C. 1692k and 15 U.S.C. 1681n, for the harm causedsuch as lowered credit scores and denied opportunities for housing and transportation.

Written confirmation that this matter has been resolved and that the account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-15 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
Hard Inquiries in Question : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act the list of inquiries has violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681,1681 ( n ) 15 USC 1692c please remove these items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: WA

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC for continued reporting of two accounts on my credit file that contain clear violations of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Metro 2 Compliance Guidelines.

Despite prior disputes, Equifax has failed to correct or delete the following accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX I recently submitted a final notice and legal demand for deletion directly to Equifax, outlining specific violations under FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 5 ), and Metro 2 fields such as missing " Worst Pay Status '' and mathematically impossible late payment patterns.

Examples of violations include : Reporting 15 months of 90+ day delinquencies on an XXXX XXXXXXXX XXXX XXXX XXXX that was only open for 15 months total a factual impossibility. 
Reporting 15 months of 90+ delinquencies on the XXXX XXXX XXXX with no verified activity after XX/XX/scrub> 2020 over 4.5 years ago. 
Failure to report required XXXX XXXX fields such as Worst Pay Status and Payment Status. 
Ongoing reporting of unverifiable and incomplete information despite previous disputes. 

I specifically requested : - The original signed contracts or loan agreements - A full payment history ledger from the furnishers - Metro 2 field data- The verified Date of First Delinquency ( DOFD ) None of this has been provided. Equifax has continued to report these accounts in a way that is materially misleading and violates their duty to ensure maximum possible accuracy under FCRA 607 ( b ).

I have attached my full legal demand letter for deletion, sent directly to Equifax. They are in violation of multiple federal standards and consumer rights protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-15 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:
Theres one fraudulent account on my credit report due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or an account I have opened. The account was previously deleted and has been reinserted It is the result of identity theft. : 1. 
XXXX  XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit Bureaus are confirming a debt validation from collection agency without providing the actual documentations that I have requested several times. The results of the numerous attempts to validate a debt was met with " Verified and Updated. '' -- -HOW WAS IT VERIFIED WHEN I DID NOT RECEIVE ANY DOCUMENTATION VALIDATING DEBT AND THE STATEMENT OF " VERIFIED AND UPDATED. '' I am now asking for dispute under XXXX XXXX Compliance Standards and 15 US 1681 I.

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