vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Experian is reporting a fraudulent XXXX XXXX account ( Account # XXXX, XXXX {$1000.00}, Opened XX/XX/year> ) on my credit file. I have never opened this account. I have disputed it with Experian and directly with XXXX XXXX multiple times. XXXX has failed to provide any documentation proving I am responsible for this debt, even after I complied with their request to file a police report for identity theft.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Experian must conduct a reasonable reinvestigation and delete any information that can not be verified. Continued reporting of this account is inaccurate, unverifiable, and in violation of the FCRA.

I am demanding immediate deletion of this account and written confirmation mailed to the correct address listed on my credit report. Attached is my formal police report to 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 2025-08-11 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: MO

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> my XXXX XXXX account was hacked, and XXXX dollars was transferred to another person without my authorization using my Chase account that was linked. I immediately reported the transaction to Chase and opened a fraud claim ( XXXX & XXXX ) Chase denied my claim without providing clear details of the evidence used to determine the transaction was authorized. I have repeatedly requested specifics such as IP addresses, device IDs, and transaction logs but have not received this information. 

Chase has stated they will only reopen my case if I provide a full PDF copy of a police report. I filed the police report with the XXXX XXXX Police department, and the department has confirmed the official PDF will be ready in approximately one week. I have informed Chase of this, but they have not confirmed whether they will keep my case open pending receipt.

Under the Fair Credit Billing Act and Regulation Z, my bank is required to conduct a fair and thorough investigation into unauthorized electronic fund transfers. I believe Chase has not fulfilled this obligation and has denied my claim prematurely without providing full transparency or allowing me adequate time to submit required documentation.

I am requesting the CFPBs assistance to ensure Chase reopens my claim upon receipt of my police report, fully investigates the unauthorized transaction, and provides me with the detailed evidence they used to reach their initial denial decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a Bank of America HSA custodied at XXXX XXXX. The account had a {$2.00} fee/month. I am a Preferred Rewards Client at Bank of America and could request to have that fee waived because of my Preferred Rewards Status. The fee was waived from XX/XX/XXXX until XX/XX/XXXX. It was resumed without any notification to me. The terms in my account were changed as well without any notification ( I was told they would no longer be able to waive or refund any fees for any reason, regardless of my client status or overall balance ).

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XX/XX/year> {$5000.00}. paid in full. know showing it was change -off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit file. Upon reviewing my credit report, I noticed that accounts has reported late payments on the account referenced on the attached files, which I believe to be inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate information be investigated and either corrected or removed from my credit file. Enclosed are supporting documents that verify my claim. 

Please complete the reinvestigation within 30 days, as required by law, and provide me with written confirmation of the outcome. If the inaccurate data is not corrected, I will consider escalating this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IN

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts listed on my credit report. I did not authorize or initiate these accounts and am unaware of their source. In compliance with USC 1681g, I request their removal within 15 days. Enclosed are the necessary supporting documents for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: M.A.R.S., Inc.
State: KS

Complaint narrative:
I am disputing an account that appears on my XXXX credit report which is inaccurate and does not belong to me. The details are : Creditor/Collector : MARS Inc. ( Collection Agency/Attorney ) Original Creditor : XXXX XXXX Apartments Account Type : Open Account Date Opened : XX/XX/XXXX Balance : {$3200.00} Date Updated : XX/XX/XXXX This account is not mine. I have never had an account, lease, or debt with XXXX XXXX Apartments, nor have I ever had any dealings with MARS inc. Also Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. This account contains a Date Updated of XX/XX/XXXX, which is a future date and is factually impossible. 
I have not received any verification or proof that this debt belongs to me as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ).

This false information is damaging my credit score, preventing me from obtaining fair credit terms, and harming my financial opportunities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize and never authorized, which are the result of identity theft. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and attached the documentation as evidence. These fraudulent accounts include : XXXX : Reporting on equifax as a charge off with {$0.00} balance account nomber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Reporting on TransUnion, Experian, and Equifax with an alleged balance of {$0.00} account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Reporting on equifax with an alleged balance of {$0.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Reporting on Experian and Equifax with an alleged balance of {$0.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for, opened, or authorized any of these accounts. The information is inaccurate and is damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 609, and 611, I am requesting the immediate deletion of these accounts from my credit reports, as they are unverifiable and the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize and never authorized, which are the result of identity theft. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and attached the documentation as evidence. These fraudulent accounts include : XXXX : Reporting on equifax as a charge off with {$0.00} balance account nomber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Reporting on TransUnion, Experian, and Equifax with an alleged balance of {$0.00} account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Reporting on equifax with an alleged balance of {$0.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Reporting on Experian and Equifax with an alleged balance of {$0.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for, opened, or authorized any of these accounts. The information is inaccurate and is damaging my credit profile. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 609, and 611, I am requesting the immediate deletion of these accounts from my credit reports, as they are unverifiable and the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX, XXXX, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : ACCOUNT NAME XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXXXXXX XXXX XXXX  OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX  OPEN DATE XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. ) 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 2025-08-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX, XXXX, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : ACCOUNT NAME XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXXXXXX XXXX XXXX  OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX  OPEN DATE XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. ) 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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate, incomplete, and unauthorized information that violates the Fair Credit Reporting Act. There are unauthorized hard inquiries, incorrect personal information, and unverifiable accounts reporting on my file. These errors are in direct violation of 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of all information included in consumer reports. They also violate 15 USC 1681i ( a ), which requires consumer reporting agencies to promptly reinvestigate any disputed items. I did not give permission to any of the companies listed to access my credit file or make hard inquiries. Their actions are a violation of 15 USC 1681b ( c ), which outlines permissible purposes for accessing consumer reports. You have failed to perform proper due diligence in confirming that the information being reported is 100 percent accurate. This negligence has caused unnecessary damage to my credit profile and is a breach of my rights under federal law. As a victim of the XXXX  data breach, I have received alerts indicating that my personal information was exposed on the dark web. I believe these violations may be linked to identity theft and the misuse of my personal data as a result of that breach. This puts me at even greater risk and demands immediate action. I have attached a copy of my drivers license, utility bill, and Social Security card for identity verification. I am demanding the immediate deletion of all unauthorized inquiries, the removal of incorrect personal information, and the deletion of unverifiable accounts. Any failure to address this matter will be viewed as willful noncompliance and a violation of federal law. This complaint is supported by case law including Cushman v. TransUnion XXXX, where the court affirmed the duty of credit reporting agencies to conduct a reasonable and thorough investigation when a consumer raises a dispute. LIST OF ALL ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  ( XXXX  ), XXXXXXXX XXXX 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 2025-08-11 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation