vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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:
Subject : Fraud Block Request/CFPB Complaint Resolution Dispute Attached : 2 Forms of Identification, FTC Affidavit XXXX XXXX XXXX Police REPORT NUMBER ( XXXX ), CFPB Consumer Statement Regarding Item, Capital Notice of Fraudulent Charges & Accounts Please be advised this is a Fraud Block Request. I Have Reason to believe this account is a result of Identity theft/Data Breach. This account has no transaction history or history at all simply open and closed. I Provided the Proper Documentation, XXXX XXXX Police REPORT NUMBER ( XXXX ) Contacted the Federal Trade Commission ( XXXX ) to have account XXXX XXXXXXXX Account Number : XXXX Blocked from Reporting pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) The Consumer Reporting Agency, shall block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX, XXXX XXXX  Failure to Respond Satisfactory will result in a 2 count Federal lawsuit in Federal Court : Count 1, negligent violation of the FCRA. Count 2, Willful violation of the FCRA.

Count 1 Violations 15 U.S. Code 1681i 15 U.S.C. 1681c-2 15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681i ( 7 ) Count 2 15 U.S. Code 1681n Thank you, 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 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). ACCOUNTS THAT ARE FRAUDULENT : XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ), ( XX/XX/year> ). This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section XXXX ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you Equifax, XXXX XXXX XXXX and XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a multitude of fraudulent accounts. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and ALL COMPANIES did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on my consumer FICO credit report. 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 AND XXXX ) as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-05-24 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:
The Following accounts contains multiple inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -Reported as a loss never received XXXXXXXX XXXX XXXXXXXX could not find account XXXX XXXXXXXX Reported as a loss never received XXXX XXXX  XXXX XXXX XXXX a loss never received XXXXXXXX XXXX XXXX as a loss never received XXXXXXXX XXXX XXXXXXXX XXXX mine XXXX XXXXXXXX Closed and Paid XXXX XXXX XXXXReported as a loss never received XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FISERV FINXACT CORE
State: CT

Complaint narrative:
Tried using my checking account for payment and also to open a new account but was declined by telecheck, there is inacurate and false information on my report as they claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: AZ

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. I am referring to account number XXXXXXXX XXXX XXXX XXXX XXXX which appears to be a collection account with an original creditor listed as " XXXX XXXX XXXX  XXXX XXXX  '' For the amount of {$10000.00}. I have no knowledge of this account and believe it was fraudulently opened in my name. 

I request that you immediately investigate this account and remove it from my credit report. I am also requesting a copy of any documentation related to this account, including applications, statements, and payment history. 

Please contact me at the phone number or email address listed above if you require any further information.

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 2025-05-24 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: AZ

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. I am referring to account number XXXXXXXX XXXX XXXX XXXX XXXX which appears to be a collection account with an original creditor listed as " XXXX XXXX XXXX  XXXX XXXX  '' For the amount of {$10000.00}. I have no knowledge of this account and believe it was fraudulently opened in my name. 

I request that you immediately investigate this account and remove it from my credit report. I am also requesting a copy of any documentation related to this account, including applications, statements, and payment history. 

Please contact me at the phone number or email address listed above if you require any further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Experian regarding several inaccurate accounts on my credit report. On XX/XX/year>, I followed up with a Method of Verification ( MOV ) letter, requesting that Experian provide documentation showing how they verified the disputed accounts with the original data furnishers. 

On XX/XX/year>, Experian responded, but they failed to provide the method of verification or any documentation from the original furnishers. Instead, they simply re-reported the same information without proof of verification. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires Experian to conduct a reasonable investigation and provide verification details 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 2025-05-24 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: AL

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.

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 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 2025-05-24 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: MD

Complaint narrative:
There are several collections accounts on my credit report. I have disputed all of them several times and they never process the dispute in my favor. I was a victim of identity theft and I proved that the addresses where the cards were sent to were a transitional house for women and you only stay there 6 months and move to the next. If you look at my addresses on my credit report you will see that there are a lot of addresses and that is because you are moved to a new house every six months. I didn't always update my address when I was moved. I don't know what else to do about this I have provided information as well and they still wont process my disputes in my favor. I have been contacted by attorneys I have showed up at court dates to plead to the judge and prove that these accounts were not opened by me. The law firms drop the complaint but they are still on my credit report. I would like this 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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app closed my account when I tried to dispute an item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I happen to go and look at my credit report and realized that I am a victim of identity theft

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 2025-05-24 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 happen to go and look at my credit report and realized that I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account was paid off XX/XX/scrub>/2023 but the account is reporting paid off charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
FERPA and/or PPR violations across three Federal loans with XXXX Dept . of Education. Education Law 2-d protects student personally identifiable information ( PII ) from unauthorized disclosure. Additionally, Education Law 2-d provides the student rights regarding the PII. I have not authorized any disclosure of my information and my account and PII has been compromised recently as my lender has changed several times without my notice as well as third party organizations accessing my information for efficiency audits without authorization. Loan XXXX was opened in XXXX, loan XXXX in XXXX and loan XXXX in XXXX totaling a current balance of {$53000.00}. I have reached out several times to the lender and individual credit bureaus without success.

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 2025-05-24 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: AZ

Complaint narrative:
This letter is to formally dispute information appearing on my credit report that I believe is a result of identity theft. I am referring to account number XXXXXXXX XXXX XXXX XXXX XXXX currently reporting a balance of {$750.00} and listed as a Collection/Chargeoff. 

I have no knowledge of this account and believe it was fraudulently opened in my name. I request a full investigation into this matter and the removal of this account from my credit report. 

Please provide me with copies of all documentation related to this account, including applications, statements, and any other relevant information. 

I have attached a copy of my government-issued identification and a copy of a recent utility bill as proof of my identity and current address. I am also filing a police report regarding this incident and will provide you with a copy of the report as soon as it is available. 

Thank you for your prompt attention to this serious 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 2025-05-24 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: AZ

Complaint narrative:
This letter is to formally dispute information appearing on my credit report that I believe is a result of identity theft. I am referring to account number XXXXXXXX XXXX XXXX XXXX XXXX currently reporting a balance of {$750.00} and listed as a Collection/Chargeoff. 

I have no knowledge of this account and believe it was fraudulently opened in my name. I request a full investigation into this matter and the removal of this account from my credit report. 

Please provide me with copies of all documentation related to this account, including applications, statements, and any other relevant information. 

I have attached a copy of my government-issued identification and a copy of a recent utility bill as proof of my identity and current address. I am also filing a police report regarding this incident and will provide you with a copy of the report as soon as it is available. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have recently found myself in a hardship, therefore I have not been able to pay much towards any bills due to losing my vehicle a few months ago. I have tried to work with the lenders but at the moment I hav not been able to find any jobs close to me at the moment, requiring a bit more time for me to figure the situation out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX I am writing to express my extreme disappointment and frustration regarding the recent closure of my Capital One 360 Checking account ( Account # XXXX ) ( Debit Card # ( XXXX ) ( XX/XX/XXXX ) ( XXXX XXXX ) which occurred on XX/XX/XXXX. 
I called Capital One customer service to get access to my account because it locked me out, stating I needed to contact them due to invalid sign-ins. When I called, they ended up telling me that my account was closed due to 'risk factors ' of me logging in on another phone that I own. I had already added both my phone numbers to my account, so they were aware I had both phones. Additionally, they cited a {$1.00} transaction I attempted to make from my XXXX account to my Capital One checking account when I was trying to link them. I understand that banks must take precautions against fraud and suspicious activity. However, I believe this closure was erroneous and has caused me significant hardship. 
I have always used my account responsibly and have never engaged in any fraudulent or high-risk behavior. The lack of specific information regarding these 'risk factors ' or what specific activity led to this decision is particularly concerning, as it prevents me from understanding or addressing the alleged issue.

I was not given any prior warning, opportunity to explain, or chance to rectify any perceived issues before my account was closed. This unilateral action by Capital One has unfairly impacted my financial standing and banking relationship. I feel that I have been wronged and that my concerns have not been heard.

I am requesting a thorough review of my account closure. I believe there has been a mistake in the assessment of my account activity. I ask that Capital One reconsider this decision and, at the very least, provide me with a more transparent explanation of the precise reasons for the closure, to the extent that it doesn't compromise legitimate security protocols.

I am available to provide any further information or documentation that may be required to clarify my account activity. I expect a fair and timely resolution to this matter.

Thank you for your time and attention to this serious concern

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: 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.

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 XXXX 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 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 2025-05-24 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have requested information as to ownership and balance and the creditors will not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CL Holdings LLC
State: CA

Complaint narrative:
I have requested information as to ownership and balance and the creditors will not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX To : Experian, Re : Formal Dispute of Inaccurate Reporting Dept. of EducationXXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Original Balance : {$3500.00} To Whom It May Concern : I am formally disputing the accuracy and completeness of the information reported for the above-referenced account by the Department of Education/XXXX 
The account is reported as open with a past due amount of {$220.00}, yet it shows a balance of {$3500.00} exceeding the original amount of {$3500.00}. Additionally, there are substantial gaps in payment history, and delinquency notations up to 180 days past due that conflict with the last payment reported in XX/XX/XXXX. 
If this loan was under deferment, forbearance, or covered under the CARES Act protections at any point in XXXX or XXXX, which makes these delinquency notations unlawfully reported.

Pursuant to FCRA 607 ( b ), data reported to credit bureaus must be complete and not misleading. The gaps in payment history and potentially inflated balance violate this requirement. 
Accordingly, I am demanding that this item be either : Corrected to reflect accurate and complete data, or Permanently deleted from my credit file You are required by law to investigate this matter and respond within 30 days. If unresolved, I will escalate to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and take legal action under FCRA 616 and 617. 
Sincerely, 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