vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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 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 XXXXXX/XX/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 2025-08-13 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: PA

Complaint narrative:
I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ) ( Sections 604 and 607 ), to demand that all outdated, inaccurate, or unnecessary personal identifiersspecifically all prior addresses and former telephone numbersbe removed from my credit files with Equifax, Experian, and XXXX

The FCRA requires that consumer reporting agencies maintain only accurate and relevant information. Outdated addresses and phone numbers are no longer valid, serve no permissible purpose under 604, and increase my risk of fraud and identity theft. These entries are obsolete and must be removed to ensure full compliance with 607, which requires agencies to follow reasonable procedures to assure maximum possible accuracy. 

My only accurate and current contact information is as follows : Current Address : XXXX XXXX XXXX, XXXX XXXX  XXXX Current Phone Number : XXXX I am enclosing copies of my government-issued ID and proof of my current address for verification. You are hereby instructed to investigate and confirm deletion of all prior addresses and phone numbers from my file across all nationwide consumer reporting agencies. Please provide written confirmation of these deletions within the 30-day period allowed by 611 ( a ) of the FCRA.

Failure to comply with this request may constitute a violation of federal law, subject to enforcement action and potential civil liability under 616 and 617 of the FCRA. 

Thank you for your immediate attention to this matter.

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 2025-08-13 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: CL Holdings LLC
State: IL

Complaint narrative:
Re : Dispute of Collection Accounts Request for Deletion Under 15 U.S. Code 1681b ( a ) ( 2 ) Accounts : Jefferson Capital Systems LLC Opened 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 XXXXXX/XX/XXXX I am formally disputing the above-listed collection accounts as reported on my credit file. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports for permissible purposes, including with consumer consent or for legitimate business needs.

I hereby request that you provide documented evidence demonstrating that each of the entities listed above had a valid permissible purpose to report these collection accounts to your credit reporting agency.

If you can not verify and prove that these accounts were reported in compliance with 15 U.S. Code 1681b ( a ) ( 2 ), I demand that these accounts be deleted from my credit report immediately. 

Please provide me with written confirmation of your investigation and the actions taken. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent account that remains on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXX XXXXXXXX XXXXwas opened fraudulently and is the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law.

Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed account, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/XXXX, I completed a balance transfer of {$1700.00} to my Truist credit card under a promotional offer providing a 0 % APR through the XX/XX/XXXX billing cycle with a 3 % balance transfer fee. This offer was confirmed in a promotional email and reflected on my billing statement with an Offer ID and expiration date. I am current on all minimum payments for this card. 

On XX/XX/XXXX, I was informed by a Truist representative that due to a forced card conversion, my promotional 0 % APR would no longer apply and that I could not decline the new card. I requested clear confirmation that the original promotional terms would be honored despite the card conversion, but the representative refused and stated the change was mandatory. I confirmed with the representative that my standard variable APR will be charged on the full amount of {$1600.00}, the unpaid balance transfer, starting on the first date of the forced card conversion, XX/XX/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 2025-08-13 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Recently, I was apprised that my credit score had dropped over XXXX points due to 4 hard credit inquiries made in the first half of XX/XX/year> to my ( frozen ) XXXX credit report. The request was made by " XXXX XXXX '' with additional descriptive information that says " NAVY FEDERAL CREDIT. '' I immediately disputed those inquries with XXXX  online and those disputes were very quickly dismissed, with the statement that the hard " inquiry was valid and factual. '' I don't agree that these inquiries were valid or factual because a ) I did not initiate them and b ) I did not give anyone permission to make them.

I repeated the dispute process online, with the same result ( denied ). I then called the entity that made the hard inquiry, Navy Federal Credit Union. They verbally confirmed that I had not made any application for any type of financial product from them that would require a hard inquiry - or * any * inquiry - during the timeframe of the first half of XXXX, or anytime near that timeframe. I then called XXXX  and sat on hold for hours, only to receive a wholly unsatisfactory nonsense explanation from an agent who had an extremely poor mastery of English, telling me very haltingly and with poor grammar and syntax that I needed a police report. I asked her " what would I report? '' After requesting to speak with a supervisor and then waiting on hold for more time and speaking with a supervisor, I was told to submit a complaint to the FTC. The FTC website then directed me to the CFPB. According to my read of the news, and as a federal employee myself, I'm well aware that nearly 90 % of CFPB employees have been dismissed/laid off/RIF'ed or otherwise fired or placed on admin leave and * are not working. * So I'm sincerely unsure how this is going to help at all, but a supervisor at XXXX  told me repeatedly that as soon as I submit these words to you, that they can remove these false inquiries from my credit report. I've got my own misgivings about this, given your staffing situation, but why not, I've already had half my day wasted by this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MD

Complaint narrative:
On XX/XX/XXXX, my wallet was stolen from my vehicle after it was unlawfully entered while parked at a public location. My wallet contained personal identification and financial information. 



Several months later, I discovered that a fraudulent credit account had been opened in my name with XXXX without my authorization. On XX/XX/XXXX, I submitted a complaint to the CFPB, and on XX/XX/XXXX, I reported the fraud directly to XXXX. 



XXXX has provided written confirmation that the account is fraudulent and that it will be deleted from my credit report within 30 to 60 days. However, despite this clear acknowledgement from the company, the account remains on my credit report and continues to harm my credit profile.

This ongoing inaccuracy is a direct violation of the Fair Credit Reporting Act, which requires furnishers and credit bureaus to promptly correct or delete information that is found to be inaccurate or unverifiable. I am requesting the CFPBs immediate intervention to ensure that : XXXX instructs all credit bureaus to remove the fraudulent account without further delay, and All three credit bureaus promptly update my credit file to reflect the deletion. 



This matter has already been investigated and confirmed by the furnisher, so there is no legitimate reason for the account to remain on my credit report any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

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. 

UNAUTHORIZED INQUIRIES : 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 2025-08-13 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 accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Account open in my name without my consent and maxed the card out for XXXX XXXX someone mustve opened during a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated privacy and confidentiality under 15 usc 1681.

Acct number XXXX acct number XXXX acct number XXXX acct number XXXX acct number XXXX acct number XXXX acct number XXXX 15 u.s.c 1681 section 602 A : state I have right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer item of information any other adverse items of information other then records of conviction more then seven years.

15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any one known or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am writing to formally notify you that I am a confirmed victim of the 2017 Equifax data breach, which exposed the personal identifying information of over 147 million Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 notify you that I am a confirmed victim of the 2017 Equifax data breach, which exposed the personal identifying information of over 147 million Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

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 2025-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the charges listed on my account for my XXXX  XXXX XXXX XXXX, as shown in the attached breakdown of charges. I purchased the XXXX Tire and Rim Protection, as well as both the Exterior and Interior Protection warranties at the time of leasing the vehicle. All services related to tire wear, exterior damages, and interior issues should be covered under these warranties. Specific Concerns : Excessively Worn or Mismatched Tires ( {$1600.00} ) : This charge should be fully covered under my Tire and Rim Protection warranty. Exterior Damages or Excess Wear ( {$700.00} ) : I have the Exterior Protection warranty, which is intended to cover these types of damages. Mechanical Problems or Excess Wear ( {$750.00} ) : If these issues fall under the coverage of my purchased warranties, they should not be my responsibility. Request for Resolution : Please review my account and the attached documentation of my warranties. I request that all charges related to covered services be removed from my final bill, as these repairs and replacements should be processed under my active warranty agreements. If additional documentation is required, I am happy to provide proof of my warranty purchases and any service records needed for verification. Thank you for your prompt attention to this matter. I expect a timely resolution and an updated statement reflecting the removal of these charges.

Company response to consumer: Closed with explanation