vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX Tx. XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Possible Finance : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX Thank You!

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 2025-04-14 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX Tx. XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Possible Finance : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: RI

Complaint narrative:
Took out a small loan from this company and was charged fees and interest that I didn't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Evidently there is a auto loan repossession on my credit report. I am just noticing this it's saying it is a equinox. I have had the same car since XX/XX/year>. I have never signed the lease for a equinox I have a XXXX XXXX XXXX and it broke down and I tried to go get a car from the car lot and they said I have a repo that is not true. This is fraudulent information. My phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 
I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

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 2025-04-14 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 once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX, NY 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 2025-04-13 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-providing 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 2025-04-14 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX opened XX/XX/XXXX bal. {$720.00}, XXXX XXXX opened XX/XX/XXXX bal. {$9100.00}XXXX XXXX XXXX XXXX opened XX/XX/XXXX bal. {$250.00}, XXXX XXXX XXXXXXXX opened XX/XX/XXXX bal. {$330.00}, XXXX XXXX opened XX/XX/XXXX bal. {$190.00}. Inquiries : Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 ) 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 2025-04-14 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: Alorica Inc.
State: CA

Complaint narrative:
Subject : Credit Reporting Complaint SST Refusing to Address Dispute and Passing Responsibility Dear CFPB, On XX/XX/XXXX, SST received a certified letter with return receipt ( CMRR ) from me requesting they investigate and correct the data they were reporting to the credit reporting agencies. This letter specifically disputed the accuracy of the tradeline and requested validation. As of today, they have not responded in any form. 

This complaint concerns Systems & Services Technologies ( SST ) and their credit reporting of Account XXXX. XXXX, which they claim is tied to a Tally account I do not recognize : I have been disputing this account since XX/XX/XXXX, and SST has never provided documentation linking me to the account or verifying the accuracy of the balance. Despite this, SST continues to report the account to all three credit bureauswithout marking it as disputedand includes a false payment I never made. 

More concerning is SSTs position that, because the account is being transferred to a collection agency, they are no longer responsible for responding to my concerns or correcting inaccurate credit reporting. They have repeatedly verified the tradeline as accurate during reinvestigations, even though : The information reported is incomplete ( no payment history except the false payment ), It changes with every dispute, and It does not match across the three CRAs. 

SST also sent a partial set of Tally billing statements only after charging off the account, but these do not match the account number theyre collecting on and do not support the amount reported. 

SSTs refusal to validate the account, address credit reporting disputes, or take accountabilitywhile continuing to verify clearly flawed informationdemonstrates an ongoing attempt to pass the buck rather than comply with basic dispute and accuracy standards. 

Summary of My Concerns : SST received my certified dispute letter on XX/XX/XXXX, and has not responded. 
SST refuses to respond to credit reporting concerns, citing a pending transfer to a collection agency. 
They continue to verify an unverified and disputed tradeline as accurate. 
The data reported is incomplete, inconsistent, and differs across CRAs. 
They reported a payment I never made and failed to mark the account as disputed. 
Statements sent after charge-off do not match the account number they are collecting on. 
SST has never provided a documented dispute process despite repeated requests. 

I respectfully ask the CFPB to investigate SSTs refusal to address valid credit reporting disputes and their pattern of avoiding responsibility while continuing to verify flawed and unsubstantiated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). My credit report from Experian lists me under four different names and four different ID numbers, which is causing significant confusion and potential harm to my credit standing. My name is XXXX XXXX XXXX XXXX its been that sense XX/XX/year> i never went by the name 's they connected with these account numer on my credit report, there investigation are missing leading even my employments are wrong i never worked at these places either Under the FCRA, I am entitled to accurate and consistent information on my credit report. The discrepancies in my personal information are a direct violation of these rights. I request that Experian immediately correct this information and ensure my credit report accurately reflects my true identity

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 2025-04-14 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi did not apply my monthly payments accordingly. Sofi assumed at times that I was making principal payments on some of my monthly payments that I made. On some of my payments, they applied them towards the next month 's payment, which is what I had intended to happen. I never indicated on my payment or payments that I was making principal payments. I informed Sofi customer services. Sofi 's customer service would give me different information each time I called.

Sofi is still reporting on my credit report incorrectly. The account was closed in XX/XX/XXXX. 
Sofi is currently reporting me 30 days late on XX/XX/XXXX. When this account was closed in XXXX. 

This is paid in full and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account Name : XXXX XXXXXXXX XXXX Account Number : 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 2025-04-14 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: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account Name : XXXX XXXXXXXX XXXX Account Number : 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have reached out to Transunion personally to let them know that I do not reside at XXXX XXXX XXXX XXXX, Missouri XXXX and that this is not even a proper address. They constantly report incorrect information on my credit report. Not only is this not a physical address but it is not mine and I would like it removed from my credit report and updated accurately please. I also do not work for XXXXXXXX XXXX XXXX XXXX XXXX  please remove this false information from my credit report and any accounts attached to it. Thank you

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
So this is for the jet blue card. Ive had over XXXX points on the card and i went to make a purchase for a flight going from NY to FL. The day XX/XX/scrub> 2025 i went to make to purchase my points went from XXXX to XXXX now i have about XXXX points. So i used what ever i had to save the flight cause i need it for XX/XX/scrub> 2025. I went to the their customer service team for both barclays and jet blue and both teams were blaming each other for the fact that over night i lost all XXXX points and couldnt use them to book my flight. I got the card just for this vacation i saved every amount of it just for this vacation. I asked them numerous times throughout the weekends to see if they can give me my points back and apply them to the purchase of the flight and they will not help. They told me to wait and than call back to see what they could do. Other reps said i would have to rebook and pay EVEN MORE money or points to get my flights taken care of and they only gave me back XXXX points as of today XXXX/XXXX/2025 i need help and i feel like im going in circles this was a huge issue on their end and i tried to work with them and the escalation team for jet blue doesnt even read the messages 90 % of the time or help in the slightest and just blame me for the points being taken away when they have no history of me redeeming points outside of the XXXX i used to lock in my tickets. Please help 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