vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and file a complaint regarding the inaccurate reporting of late payments on my account XXXX. These late payment entries are incorrect, and I have reason to believe they have not been properly verified or substantiated as required by federal law. 

I have already submitted disputes regarding this matter directly with the major credit bureaus as well as with the furnisher ( creditor ). However, the disputed late payments remain on my credit report without sufficient documentation or validation.

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) : Furnishers of information are required to report only accurate information.

15 U.S. Code 1681i : Upon receiving a dispute, credit reporting agencies are required to conduct a reasonable investigation within 30 days.

To date, neither the creditor nor the credit bureaus have provided any supporting evidence, such as account records or payment history, to justify the continued reporting of these late payments. This failure to properly investigate and verify the accuracy of the negative information is a clear violation of my rights under the FCRA.

I am requesting the following actions : 1. Immediate deletion or correction of the inaccurate late payment entries from my credit report ; 2. Written confirmation of the results of the investigation and any documentation used to support the creditors reporting ; 3. Compliance with all applicable provisions of the FCRA in a timely manner.

Please treat this matter with urgency, as the inaccurate reporting is negatively affecting my creditworthiness and financial standing.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a formal complaint regarding Equifaxs handling of a fraudulent account that was previously removed from my credit report but has since been improperly reinserted. 

In XX/XX/scrub> 2024, a XXXXXXXX XXXX XXXXXXXX credit card account ( account number ending in XXXX ) was fraudulently opened in my name for the amount of {$550.00}. I filed a dispute with Equifax and provided evidence that the account was the result of identity theft. Equifax initially removed the account from my credit report.

However, the same fraudulent account has now been reinserted onto my credit file. This action violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which requires Equifax to provide written notice within five business days of reinserting any previously deleted information. I did not receive any notice or validation regarding this reinsertion.

Additionally, under 15 U.S. Code 1681c-2, credit bureaus are required to permanently block fraudulent information from appearing in a consumers file once an account is confirmed to be the result of identity theft. Equifax has failed to fulfill this legal obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of CREDIT CARD ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX, INCLUDING MOBILE DEVICES ACCOUNTSXX/XX/XXXX, DATE OPENED XX/XX/XXXX AND OTHER IDENTITY ACCOUNTS XX/XX/XXXXDATE OPENED XX/XX/XXXX, XXXXXX/XX/XXXXXX/XX/XXXXOPENED XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas, XXXX XXXX XXXX Date : XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Re : Dispute of Collections Capital One Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must se fully validated with supporting documentation from the original creditor. If such validatior can not be provided, this account must be removed from my credit report immediately I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response.

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My chase account was closed due to suspicious activity but all I've been doing was getting my XX/XX/XXXX transferring it to my chase account to pay my bills. They would not give me a reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I asked for documentation verifying the accuracy of the information Navient is reporting. I did not receive any evidence showing the complete payment history, original loan details, or validation of the current status. The information being reported is damaging my credit and has not been properly verified. As allowed by the Fair Credit Reporting Act ( FCRA ), I am requesting this account be removed from my credit report due to lack of proper documentation and failure to fully investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Re : Demand for Documentation Regarding Unauthorized Credit Inquiries and Inaccurate Account Reporting Consumer : XXXX XXXX Date : XX/XX/2025 To Whom It May Concern, This letter serves as a formal and final demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 623, as well as applicable state consumer protection laws. The entities listed below have accessed or furnished information to one or more credit reporting agencies concerning me without my informed authorization or based on potentially inaccurate or unverifiable data. 


You are hereby instructed to provide the following within 15 business days : 1. A copy of the signed credit application or authorization to access or report my credit.

2. Verification that any credit pull or report entry was conducted with a permissible purpose.

3. Copies of all documentation or information furnished to any consumer reporting agency related to me.

Failure to respond, or failure to provide proof of authorization, will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of XXXX. I also reserve the right to pursue damages under the FCRA and related laws. 

Please direct all responses to the address listed below. 

List of Entities This Letter Applies To : - 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kikoff Inc.
State: CA

Complaint narrative:
Re : Demand for Documentation Regarding Unauthorized Credit Inquiries and Inaccurate Account Reporting Consumer : XXXX XXXX Date : XX/XX/year> To Whom It May Concern, This letter serves as a formal and final demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 623, as well as applicable state consumer protection laws. The entities listed below have accessed or furnished information to one or more credit reporting agencies concerning me without my informed authorization or based on potentially inaccurate or unverifiable data. 


You are hereby instructed to provide the following within 15 business days : 1. A copy of the signed credit application or authorization to access or report my credit.

2. Verification that any credit pull or report entry was con
ducted with a permissible purpose.

3. Copies of all documentation or information furnished to any consumer reporting agency related to me.

Failure to respond, or failure to provide proof of authorization, will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of XXXX. I also reserve the right to pursue damages under the FCRA and related laws.

Please direct all responses to the address listed below. 

List of Entities This Letter Applies To : - XXXXXXXX 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 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account to be immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and the business addresses of each individual with whom you verified the the above information. Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are highly appreciated. 

Account- XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I found hard inquieres which I have not done I need to be deleted please. 

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 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

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 2025-05-26 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom It May Concern : Account name AMERICAN EXPRESS Account number XXXX Account type Credit Card Responsibility Individual I am writing to dispute fraudulent information that appears on my credit report. I have been the victim of identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this fraudulent information investigated and removed from my credit file. 
Please investigate and remove the following fraudulent items from my credit report : As a victim of identity theft, I have the following rights under the FCRA : The right to have you place a fraud alert on my credit file. 
The right to have you block reporting of information resulting from identity theft. 
The right to prevent businesses from reporting information about fraudulent accounts to you. 
Please investigate this matter, remove all fraudulent information from my credit report, and send me an updated copy of my credit report reflecting these changes. If you find that any information can not be verified, please delete it promptly. 
Additionally, please notify me of the results of your investigation within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. 

Reporting Act ( FCRA ) Please investigate this matter, remove all fraudulent information from my credit report, and send me an updated copy of my credit report reflecting these changes.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this fraudulent information investigated and removed from my credit file.

I have been the victim of identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this fraudulent information investigated and removed from my credit file. 
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this fraudulent information be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing a collection account reported by XXXX XXXX and documenting my repeated, unsuccessful efforts to obtain verification of the alleged debt, which violates federal consumer protection laws. 

On XX/XX/year>, XXXX charged off account number XXXX with an original balance of {$2600.00}, now reported as {$3000.00} after a collection fee. Since discovering this account on my credit report, I have made multiple attemptsby phone with XXXX XXXX XXXX ( XXXX ) and in person at the corporate store at XXXX XXXX XXXX XXXX, XXXX, XXXX obtain : A copy of the final bill A detailed breakdown of charges Verification that the account belongs to me To date, no documentation or validation has been furnished, and XXXX has confirmed they are unable to access or provide any records related to this account. 

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), a furnisher of information must ensure the accuracy and integrity of the information they report. Under 15 U.S.C. 1681i, if disputed information can not be verified, it must be deleted from the consumers credit file. Furthermore, if this debt has been assigned to a collector, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires that all collection activity cease until the debt is validated. 

I am respectfully requesting that this account be immediately removed from all credit reporting agencies unless XXXX or its agents can produce written verification of the debt and my legal obligation to pay it. Failing to do so would constitute a continued violation of federal law. 

Thank you for your time and prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally disputing a collection account reported by XXXX XXXX and documenting my repeated, unsuccessful efforts to obtain verification of the alleged debt, which violates federal consumer protection laws. 

On XX/XX/year>, XXXX charged off account number XXXX with an original balance of {$2600.00}, now reported as {$3000.00} after a collection fee. Since discovering this account on my credit report, I have made multiple attemptsby phone with XXXX XXXX XXXX ( XXXX ) and in person at the corporate store at XXXX XXXX XXXX XXXX, XXXX, XXXX obtain : A copy of the final bill A detailed breakdown of charges Verification that the account belongs to me To date, no documentation or validation has been furnished, and XXXX has confirmed they are unable to access or provide any records related to this account. 

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), a furnisher of information must ensure the accuracy and integrity of the information they report. Under 15 U.S.C. 1681i, if disputed information can not be verified, it must be deleted from the consumers credit file. Furthermore, if this debt has been assigned to a collector, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires that all collection activity cease until the debt is validated. 

I am respectfully requesting that this account be immediately removed from all credit reporting agencies unless XXXX or its agents can produce written verification of the debt and my legal obligation to pay it. Failing to do so would constitute a continued violation of federal law. 

Thank you for your time and prompt attention to this matter. 

Sincerely,

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