vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: Global Lending Services LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry on my credit report. The inquiry in question was made by XXXX XXXX XXXX on XX/XX/year>. I did not authorize this inquiry, and it does not pertain to any transactions or applications I have made. 

In light of this, I kindly request that this inquiry be removed from my credit report at your earliest convenience. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
Hello CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX {$1000.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
Hello CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX {$1000.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry on my credit report. The inquiry in question was made by Td Auto Finance on XX/XX/year>. I did not authorize this inquiry, and it does not pertain to any transactions or applications I have made. 

In light of this, I kindly request that this inquiry be removed from my credit report at your earliest convenience. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
I am reporting identity theft involving fraudulent accounts that have been added to my Experian credit report without my knowledge or authorization. The following collection accounts are not mine : XXXX. XXXX XXXX XXXX / XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} Status : Collection account, reported past due as of XX/XX/XXXX I never had a XXXX  account or authorized any services with this company. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Status : Collection account I have never done business with AXXXX XXXX XXXX XXXX and did not open or use this account. 
XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Status : Closed account in collections as of XX/XX/XXXX I do not recognize this XXXX account and did not open or authorize it. 

I did not open or authorize any of these accounts. They were fraudulently opened in my name or reported inaccurately. I am the victim of identity theft, and I am requesting that these items be fully investigated, blocked from my credit file under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and that no further collections or reporting activity occur related to these accounts. 

I am submitting this statement as part of my identity theft report with the FTC.

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 2025-08-02 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 charged off the account and later issued a XXXX form, which per IRS guidance constitutes debt cancellation. Despite this, they continue to report a charged-off balance to TransUnion, which is misleading and may violate the FCRA. This negatively affects my credit profile. I am requesting deletion of the account from all consumer reporting agencies as the debt is no longer legally owed, and continued reporting is inaccurate and unfair.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX charged off the account and later issued a XXXX form, which per IRS guidance constitutes debt cancellation. Despite this, they continue to report a charged-off balance to TransUnion, which is misleading and may violate the FCRA. This negatively affects my credit profile. I am requesting deletion of the account from all consumer reporting agencies as the debt is no longer legally owed, and continued reporting is inaccurate and unfair.

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 2025-08-02 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: GA

Complaint narrative:
XXXX XXXX charged off the account and later issued a XXXX form, which per IRS guidance constitutes debt cancellation. Despite this, they continue to report a charged-off balance to TransUnion, which is misleading and may violate the FCRA. This negatively affects my credit profile. I am requesting deletion of the account from all consumer reporting agencies as the debt is no longer legally owed, and continued reporting is inaccurate and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
THIS ACCOUNT WAS OPENED fraudulent I HAVE DISPUTED THIS fraudulent ACCOUNT AND THEY REFUSE TO rectify THE situation. 


JPMCB CARD Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-02 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: MN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

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 health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
An account from the XXXX XXXX XXXX XXXX was reported as a charge-off/collection on my credit report on XX/XX/year>, with a balance of {$770.00}. However, this account was already under dispute or pending removal at the time it was updated. Despite the unresolved status, it was marked as a serious derogatory item without proper verification or outcome of the dispute. As a result, my credit score dropped by over 100 points. 

This action appears to violate the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or incomplete information and requires disputed accounts to be handled appropriately and not reported as charged off until fully resolved. I did not receive any confirmation of resolution or final results before the negative status was added. 

I am requesting that this charge-off status be immediately removed or corrected, and that all credit bureaus update my report to reflect accurate and fair information in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Just reporting old and wrong stuff on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have disputed my capital one card twice for incorrect information specifically payments and dates both times it said it was fixed and it is still wrong I would like it removed if they are not going to report accurate information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 calling the attention to the bureau on my disbelieve of the unfair act by placing such unlawful collection on my consumer report which violate The Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692, please remove this as soon as possible. 

XXXX XXXX XX/XX/year>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 2025-08-02 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 submitting a formal complaint regarding a charged-off account currently being reported by XXXX XXXX XXXX XXXX credit file. This account was opened in XX/XX/year> and is listed with a balance of {$980.00}. It is being reported as 'Charged off ', with the remark : 'Unpaid balance reported as a loss by credit grantor '. 

I previously requested proper validation of this account in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). However, to date, I have received no verification or itemization of the alleged debt. Despite this, the account continues to be reported to the credit bureaus.

This ongoing reporting without validation constitutes a violation of my rights under the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Receiving text messages and phone calls from a number : XXXX. Claim to be Portfolio Recovery Associates attempting to collect a debt. Request I call them at XXXX. I do not owe debts in collections and have received nothing in the mail. This is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TX

Complaint narrative:
DEPT OF EDUCATIONXXXX Under dispute Date opened XX/XX/XXXX Balance {$3600.00} Status Open. {$280.00} past due as of XX/XX/XXXX. 
DEPT OF EDUCATIONXXXX Under dispute Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$230.00} past due as of XX/XX/XXXX. 

I recognized THESE FRAUDILENT STUDENT LOANS OPENED IN MY NAME WITHOUT MY knowledge ARE CONSENT. I have previously been told that these accounts were removed according to Dept of Education. I am a victim identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
This an account for XXXX and doesnt belong to me, this account that I didnt open

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 2025-08-02 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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I was looking to purchase a house when I noticed that someone by the name of Aidvantage of which I don't have any affiliation or known contracts with have been reporting negatively on my report without my knowledge I would like to Dispute this Inaccurate Credit Information Under FCRA Sections 605D, 615F, 623a6, 15 U.S.C 1681g, 15 U.S.C 1681 ( a ) ( 4 ), 15 U.S.C. 1692g ( 5 ) ( b ), and Related Statutes 1. Account Number : XXXX Inaccuracy : The account is listed as open with a delinquent status, but I have never had any accounts with this number. 

2. Account Number : XXXX Inaccuracy : The account is reported as closed due to non-payment, but I have never had any accounts with this number. 

3. Account Number : XXXX Inaccuracy : The account is listed as in collections, but I have never had any accounts with this number. 

4. Account Number : XXXX Inaccuracy : The account is reported as active with a high balance, but I have never had any accounts with this number. 

5. Account Number : XXXX Inaccuracy : The account is listed as in collections, but I have never had any accounts with this number. 

6. Account Number : XXXX Inaccuracy : The account is reported as closed due to non-payment, but I have never had any accounts with this number. 

These inaccuracies are affecting my credit score and ability to access credit and must be rectified immediately. I request that you investigate these items and provide me with a written explanation of the results of the investigation within the legally mandated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis is reporting several incorrect insurance policies under my name XXXX XXXX and even have marriage records that is incorrect. None of the information has been verified as belonging to me because LexisNexis did not provide me with any disclosures or proof they did a reasonable investigation. I also never gave any agency my consent to share my personal information with LexisNexis. LexisNexis is the largest reseller of information and its imperative they report accurate information. Delete the information and send me a new report excluding all consumer financial information including driving records. Failure to do so LexisNexis will face litigation.

Company response to consumer: Closed with explanation