vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: VT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: MD

Complaint narrative:
Here is the following email or text I recieve everyday from Credit Control LLC, but I believe is a scam because this account has been closed for a very long time and these email setups feel fake. 

" Dear XXXX, The balance on your account XXXX seem like an unreachable mountain, but we have great news! 

It's not too late to take advantage of the offer we previously sent you to settle this account for less than the full account balance! 
Here 's the Offer Option XXXX : Resolve your account in XXXX payment of {$50.00}. You save {$39.00}! 
Option XXXX : Resolve your account in XXXX consecutive monthly payments of {$20.00}. You save {$29.00}! 
Option XXXX : Resolve your account in XXXX consecutive monthly payments of {$12.00}. You save {$17.00}! 
Offer expires : XX/XX/year>. We are not obligated to renew this offer. 
ACCEPT HERE Upon completion of XXXX of the above options : Your account will be considered resolved. 
XXXX efforts will cease. 
Your account will be reported to our client as settled. 
You may use one of the payment options listed below or call XXXX and talk to XXXX of our agents about your options and how you can make this happen. 

If you are unable to take advantage of this offer, please contact our office to discuss a payment arrangement for the amount due. 
XXXX phone representatives helping consumers Your Account Information Current Creditor : XXXX XXXX Original Creditor : XXXX XXXX Our Account Number : XXXX Original Account Number : XXXX * * * * * * * * * Re : XXXX XXXX Amount Due : {$89.00} ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section XXXXB of the FCRA ( 15 U.S.C. 
XXXX ( a ) ), please block and delete these accounts within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$9000.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CT

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$67000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-05-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase representative, XXXX, called today to state the following : " courtesy call for decline by the system. She can't override the system. The options are only XXXX, wire transfer, and check deposit ''. There is no clear explanation. The system yesterday " rejected '', today it " cancelled ''. On XX/XX/XXXX, the same XXXX XXXX account was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I had a balance of XXXX on my credit card my entire check was taken out of my account although having the minimum payment set up leaving me with any money and putting me in a situation with out any money and having bills that need be paid and money I called the credit card company they said I was out of luck and would need to wait 4 days for a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: LA

Complaint narrative:
Equifax and XXXX had a data breach and in turn a credit card with XXXXXXXX XXXX XXXX was opened in my name and a XXXX XXXX that doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on Transunion and Equifax only Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account late payment Equifax and Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is showing late payment on Experian only Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on Transunion and Equifax only and showing late payment Equifax and Experian only which is being inconsistently reported among the national credit bureaus.

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 2025-05-23 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: AZ

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on Transunion and Equifax only Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account late payment Equifax and Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is showing late payment on Experian only Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on Transunion and Equifax only and showing late payment Equifax and Experian only which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., I hereby dispute the inclusion of the bankruptcy case on my credit report and demand its immediate removal. The United States Bankruptcy Court, XXXX XXXX Colorado, has confirmed in its correspondence dated XX/XX/year>2021, that it does not transmit bankruptcy case information to credit reporting agencies, and such information is obtained solely from public records. I assert that the continued reporting of this bankruptcy is either inaccurate, outdated, or otherwise non-compliant with FCRA provisions, including but not limited to 15 U.S.C. XXXX ( a ) ( XXXX ). I demand that you investigate this matter within XXXX days, as required by 15 U.S.C. XXXX, and remove the bankruptcy entry from my credit report. Failure to comply may result in further legal action to enforce my rights under federal law.

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 2025-05-23 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: FL

Complaint narrative:
In XXXX and XXXX XXXX I discovered that I had become a victim of identity theft. Multiple unauthorized credit inquiries and accounts appeared on my credit reports with Experian, TransUnion, and Equifax. I immediately filed identity theft reports with the FTC ( Report Nos. XXXX and XXXX ), listing fraudulent accounts opened in my name including XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and others. I submitted formal written disputes to each credit bureau, along with the FTC reports and supporting documentation, requesting removal of all fraudulent information in accordance with FCRA 605B. 

Despite submitting valid identity theft documentation, some bureaus failed to remove the inquiries and accounts or respond within the required timeframe. As a result, I am filing this complaint with the CFPB to ensure proper enforcement action is taken. I am seeking immediate removal of all fraudulent data, an updated credit report, and confirmation that these items will not be reinserted in the future.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX and XXXX XXXX I discovered that I had become a victim of identity theft. Multiple unauthorized credit inquiries and accounts appeared on my credit reports with Experian, TransUnion, and Equifax. I immediately filed identity theft reports with the FTC ( Report Nos. XXXX and XXXX ), listing fraudulent accounts opened in my name including XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and others. I submitted formal written disputes to each credit bureau, along with the FTC reports and supporting documentation, requesting removal of all fraudulent information in accordance with FCRA 605B. 

Despite submitting valid identity theft documentation, some bureaus failed to remove the inquiries and accounts or respond within the required timeframe. As a result, I am filing this complaint with the CFPB to ensure proper enforcement action is taken. I am seeking immediate removal of all fraudulent data, an updated credit report, and confirmation that these items will not be reinserted in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NE

Complaint narrative:
They violated my rights as a consumer under 15 usc XXXXb and I need these accounts blocked and deleted off my credit report as soon as possible.

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 2025-05-23 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief