vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9500.00} Date Opened : XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The debt is charged off, I'm still receiving phone calls

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 2025-06-21 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: LA

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 XXXX, Equifax & 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: IA

Complaint narrative:
Letter to XXXXXXXX XXXX XXXX XXXX  XXXX [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Fraudulent Inquiries & Identity Theft Immediate Action Requested Under FCRA 1681c-2 ( Section 605B ) Dear XXXX XXXX XXXX, I am formally requesting the immediate removal of unauthorized hard inquiries and account entries from my XXXX  credit file. I did not authorize any of the listed inquiries and was not applying for credit at the time they occurred. I believe my information was compromised due to a XXXX XXXX XXXX  breach that exposed sensitive data including names, phone numbers, and Social Security numbers.

These inquiries and accounts do not reflect my credit activity and were added without my knowledge or consent. As outlined in FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block all information resulting from identity theft within four business days once sufficient documentation has been submitted.

Included Documentation : FTC Identity Theft Report Signed Statement of Dispute Copy of my XXXX  credit report (
with fraudulent inquiries highlighted ) Copy of government-issued ID Copy of Social Security card Proof of current address Brief statement noting XXXX XXXX XXXX XXXX compromise Reference to FCRA 1681c-2 in this letter Unauthorized Hard Inquiries to Remove : 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 Please block and remove all unauthorized entries and confirm the investigation results in writing. If these inquiries and accounts are not removed, I will escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies.

Thank you for your immediate attention.

Sincerely, 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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: MRS BPO, LLC
State: LA

Complaint narrative:
I responded bavk to the message and told them not to contact me anymore because of the violation

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 2025-06-21 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

BANK XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$26000.00} BANK OF XXXX XXXX XXXX XX/XX/XXXX -- {$930.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 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 2025-06-21 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: MD

Complaint narrative:
This account was charge off on the following date ( XX/XX/year> ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccuracy information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my right. I am demanding a deletion of the following account : Account name : XXXX XXXX XXXXAccount numberXXXX

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 2025-06-21 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: MD

Complaint narrative:
This account was charge off on the following date ( XX/XX/year> ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccuracy information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my right. I am demanding a deletion of the following account : Account name : XXXX XXXX XXXXAccount numberXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: NM

Complaint narrative:
Identity Theft Request for Blocked Information under XXXX XXXX Code XXXX Dear CFPB, I am filing this complaint because my personal information was compromised in multiple data breaches, beginning with the Equifax breach. As a result, several fraudulent accounts were opened in my name without my knowledge or consent. 

I discovered these accounts when I reviewed my credit report on Experian, Equifax, TransUnion. They are now showing as closed and charged off, damaging my credit. 

Fraudulent Accounts on My Credit Report : XXXX XXXX Account # XXXX Balance : {$1200.00} Charged Off ( XX/XX/XXXX ) XXXX XXXX Account # XXXX Balance : {$980.00} Charged Off ( XX/XX/XXXX ) XXXX XXXX XXXX Account # XXXX Balance : {$1200.00} Charged Off ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance : {$860.00} Charged Off ( XX/XX/XXXX ) XXXX Account # XXXX Balance : {$770.00} Charged Off ( XX/XX/XXXX ), sold to XXXX XXXX XXXX XXXX I Have Taken : I filed an Identity Theft Report with the FTC and submitted it to the credit bureaus on XX/XX/XXXX. 

I have submitted a written request to all three credit bureaus asking that they block these accounts under XXXX XXXX XXXX. 

I requested each creditor to confirm in writing that : The account is not mine, I am not liable for any debt, The account will be removed from my credit reports.

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 2025-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I deposited over {$3000.00} into my XXXX XXXX XXXX XXXX XXXX account. Shortly after, the account was frozen without warning. I contacted XXXX XXXX multiple times and provided everything requested, including updated ID and documentation proving I am a verified identity theft victim with police reports on file. Despite this, the funds were never released and no clear reason or resolution has been given. 

I am XXXX, on a fixed XXXX income, and currently unemployed. I desperately need access to this money, which was lawfully deposited and is rightfully mine. XXXX XXXX has not honored its obligation to release my funds or properly communicate with me. 

I am now filing this formal complaint. If the funds are not released immediately, I will pursue legal action. I also request this complaint be escalated as a violation of consumer rights and banking compliance. I have waited long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital SYSTEMS Is a third party collection company attempting to collect a debt for which I have no contract with Jefferson Capital systems they have reported negative information to XXXX XXXX XXXX XXXX Have been noticed that this Is not my account I have requested the contract that Jefferson capital has with me They have refused or cant not provide any such contract. I demand this negative information to be removed from all three credit Bereaus immediately as Jefferson Capital systems,XXXX XXXX XXXX XXXX XXXX XXXX  are causeing my self damages by report negative information. 
Jefferson Capital Sytems is in violation of FCRA section 6802 I have demanded they cease and Desist and remove all nerogatory information from all 3 credit REports. This third Party collector is commiting fraud according to the FCRA. I demand this information be Immediately removed from my credit reports in the amount of {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$230.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-21 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 XXXX ( XXXX ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Simple Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : 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 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 2025-06-21 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: NY

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 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 2025-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
b'I had an account that was close with PayPal XXXX XXXX XXXX XXXX. I have XXXX that was deposited on XXXX  I was trying to pay my account and bills when I received a email that my account was temporarily on hold until I verify my account. I was in the middle of the verification process when it stopped an froze my fund without notification at the time. I was trying to send in my ID, card, and mailing address when I was kicked out the processed. I never was told why my account was being held up. I recieved an email stating my fund would be held for XXXX days under review and would be contacted at a later date of the results. I was trying to pay my past due on my account as well as my personal bills. I am not sure who has an account in my name but I do have a son with the same name as myself.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have automatic payment for TARGET STORE credit card. It did work all the time, but on XX/XX/2025 TARGET CREDIT CARD charged my checking account at XXXX XXXX XXXX twice the same amount : {$100.00} : the same day, same amount shown as a balance on XXXX statement, but XXXX. I tried to contact credit card- it was no way, since peiple from probably XXXX barely undrrstand what I am taklkimg about - or XXXX be just credit card did it intentionally and they covered it up. The double charge leead to my checking account overdrafted, I was charged overdraft fees and other interest and was told to resolve the issues with credit card> I ve XXXX that it is impossible since I beliee it is intentional fraud. I believe it is a way how Target credit card running its business- via fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief