vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting inaccurate and outdated personal address information on my credit report. My current and only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite this, Experian continues to list a previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was my residence only until XX/XX/scrub>XXXX XXXX This outdated address is still present on my credit file as if it were current or relevant. 

The continued inclusion of an incorrect or stale address on my consumer report creates confusion and undermines the accuracy and reliability of my credit profile. Such inaccuracies could lead to mistaken identity, potential fraud risk, and difficulties when creditors or lenders attempt to verify my identity and contact information. This directly violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in consumer files.

Furthermore, under 15 U.S.C. 1681i ( a ), Experian is obligated to promptly reinvestigate and correct any disputed information upon notice from a consumer. I have provided accurate and updated documentation to verify my current address, yet Experian has failed to fully update or purge the erroneous previous address.

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 2025-06-11 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-11 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am submitting a letter to you that I will also be sharing with others. Hello, this letter is to try to get some assistance with negatively reporting debt on my credit report. The original creditor is XXXX XXXX XXXX who reported that I had an account with them, and I owed a balance of {$480.00}. I disputed this account in XXXX of XXXX with the collection agency that was handling this account, XXXX XXXX. and around XXXX of XXXX I disputed the debt they were reporting under the collection agency called XXXX XXXX. The debt was removed from my credit report. I checked my credit report again and around XXXX of XXXX this account was again reporting negatively on my credit, this time using the collection agency XXXX XXXX. I again disputed this debt, and it was once again removed from my report. I have just noticed this XXXX XXXX XXXX debt to reappear again under another collection agency, XXXX XXXX. I also noticed that the debt was re-aged, reporting an opening date somewhere in XXXX. It was originally reporting an opening date in the year XXXX. I dont feel as though anyone should monitor their credit reports to dispute inaccuracies that re-appear on a credit report after have had them deleted repeatedly. In addition, to monitor reports for creditors and collection agencies to re-age these old accounts. This company is violating the FRCA at minimum and I am expected to tolerate actions like this? 
I am XXXX and have been for more than 20 years. I am pleading with you to see these actions cease, damages to victims arranged and a harsh enough punishment to prevent a company from continuing to fraud and exploit the XXXX and elderly community. 
I would appreciate it if this matter was looked into and appropriate actions taken so this doesnt continue to affect lives of those that are already at a disadvantage. 
I am writing this complaint to be addressed to the Federal Trade Commission as well. In addition, a copy will be sent to the current collection agency for XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, the media and any other outlets that I believe will assist in securing the compliance of XXXX XXXX XXXX. I expect XXXX XXXX XXXX to correct their wrongs immediately by removing this fictitious debt from all three of my credit reports immediately and look forward to any solution or resolution that is offered by the FTC and CFPA. 
I will provide documentation that proves any of my accusations upon request to me. I am hopeful that the issues this has caused to my life are corrected and that this doesnt occur to another unsuspecting individual. I appreciate your time and would appreciate it if you would correspond the actions taken with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I discovered multiple fraudulent accounts and inaccurate personal information on my credit reports across all three bureaus. These include collections, credit cards, and hard inquiries that I did not authorize, as well as incorrect addresses and employment information. I filed an Identity Theft Report with the FTC and submitted a written dispute to the credit bureaus on XX/XX/year>, under 15 U.S.C. 1681c-2. Despite taking these steps, the fraudulent items remain on my report. These inaccurate items are negatively affecting my credit standing. I am requesting the immediate removal of all fraudulent accounts, unauthorized inquiries, and incorrect personal data as required by law. I also submitted supporting documentation including my ID, Social Security card, and FTC report.

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 2025-06-12 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:
I discovered multiple fraudulent accounts and inaccurate personal information on my credit reports across all three bureaus. These include collections, credit cards, and hard inquiries that I did not authorize, as well as incorrect addresses and employment information. I filed an Identity Theft Report with the FTC and submitted a written dispute to the credit bureaus on XX/XX/year>, under 15 U.S.C. 1681c-2. Despite taking these steps, the fraudulent items remain on my report. These inaccurate items are negatively affecting my credit standing. I am requesting the immediate removal of all fraudulent accounts, unauthorized inquiries, and incorrect personal data as required by law. I also submitted supporting documentation including my ID, Social Security card, and FTC report.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I authorized a payment of {$2600.00} through Cash App and XXXX Pay to purchase a XXXX XXXX XXXX XXXX Luggage. The funds were withdrawn directly from my Chase bank account. After receiving the product, I discovered that the item was counterfeit. I was misled and defrauded by the seller, who misrepresented the product as authentic. 

I filed a dispute with Chase, explaining that I was the victim of fraud. Chase declined my claim, stating that because I authorized the transaction, they were unable to assist, and they also cited that the dispute was outside their XXXX window. However, this is not simply a transaction I authorized, I was fraudulently induced to authorize the payment based on misrepresentation and deception. This constitutes fraud. 

I requested that Chase escalate my case to their fraud department for proper investigation, but they have refused. I am now seeking CFPBs assistance in having Chase fully investigate this matter as fraud and assist in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AR

Complaint narrative:
I am submitting this complaint because I believe my personal information related to my federal student loans has been accessed or shared without my consent. I am deeply concerned that XXXX XXXX, or individuals or entities affiliated with him, may have had unauthorized access to my private loan data through the Department of Education or its contracted servicers. 
I did not consent to any third-party access involving XXXXXXXX XXXX or any technology company connected to him. This has made me feel that my privacy rights have been violated, and I am uncomfortable with any entity outside the Department of Education handling or reviewing my personal loan details. 
I am requesting a full investigation into how my loan information has been accessed and who has had access to it. If unauthorized access or data sharing has occurred, I want to formally dispute all of my student loans on the grounds of this privacy breach. 
I have taken no recent actions to initiate this type of data sharing and have not given permission for any private companies or individuals to be involved in the management of my loan information. This situation has caused me significant distress and concern about the security of my personal data. 
I understand that in early XX/XX/year>, XXXX XXXX Department of Government Efficiency may have gained unauthorized access to student loan data through the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I've had a loan through welsfargo since XXXX and had another prior no issues. " Mr Cooper '' predatory sought my loa due to high equity, they attempted for over a year to get me to switch with me constantly declining, calls, mail, spoke to them and stressed i had XXXX interest. They even tried to get me to refinance through them other times.pffering a bad rate and small percentage of equity and higher rate, and I declined. Went on over a year, even got mail from them last week trying. They then approached XXXX XXXX and requested to buy my loan after I declined repeatedly. I've now been paying since XXXX and had a double payment in the switch. XXXX even know, recived no notification or goodbye letter from welsfargo and no information from Mr cooper. Only way I found out is slight increase and saw it in my app today when trying to find out why my account was lower than normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: DC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the EQUIFAX data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days.

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX my checking and savings accounts were closed by Truist with no notice or explanation, and they kept the {$800.00} I had in the accounts. I called several times. I spoke to customer service, fraud department, and the local Branch Manager. Overall I spoke to about a dozen Truist employees, and they all said I dont know anything. This is going to damage my credit and left me without any money. When you take someones money without giving them an explanation, I consider that THEFT. I always kept my account in good standing, with no overdrafts. I dont know why they closed my accounts, because they wont tell me. I just want MY money back that they stole from me.

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 2025-06-11 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my ExperianXXXX XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I am reporting multiple accounts that were impacted by a data breach and/or are inaccurately reported on my credit profile. Ive submitted disputes with the credit bureaus on several occasions, but many of these accounts still appear with outdated, unverifiable, or misleading information. 

Some accounts show {$0.00} balances but remain listed with derogatory marks. Others are closed or settled but continue to negatively affect my credit. A few are past the 7-year reporting limit and should be removed under FCRA 605 ( a ). I have attempted resolution directly with the credit bureaus but have not received appropriate corrections or deletions. 

Below is a list of accounts I have disputed, with relevant dispute dates : Disputed Accounts with Dates : XX/XX/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 XXXX 

These items should have been corrected or removed following my disputes under FCRA 611 ( right to dispute and reinvestigation ) and FCRA 605 ( a ) ( limitations on reporting time ). Im requesting deletion, early exclusion where appropriate, or immediate verification from the data furnishers. Continued inaccurate reporting is damaging and unjust.

Please assist in enforcing fair credit reporting practices.

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 2025-06-11 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-12 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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