vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
XXXX XXXX, SSN : XXXX, DOB XXXX XX/XX/year> 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
Hello my name is XXXX XXXX I am a XXXX XXXX citizen living on social security and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My problem is on XX/XX/XXXX my debit card was lost or stolen at a XXXX here in XXXX XXXX within an hour of losing it there the perpetrators went to two different Chase Banks ATMs where they drained my account of {$2100.00} with four different fraudulent unauthorized ATM withdrawals When I had realized what happened I immediately called my Chase Bank and had the card shut down and filed a complaint to get my account reimbursed, they said they would investigate the matter and let me know. After that I filed a police report with XXXX XXXX sheriff 's department and they would investigate the matter too. Approximately one week later the chase Bank fraud department told me they we're denying my claim and would not refund anything back into my bank account which is now XXXX until my next social security check arrives in XXXX. I was wondering if you could look into the matter and help me get my stolen money back into my bank account thank you so very much XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
As of XX/XX/year>, I submitted a CFPB complaint on inaccuracies on my TransUnion Credit Report case # XXXX, and it was closed shortly after, as basically accurate or verified. So, I contacted XXXX, and their findings were unverified, so how is that possible??? TransUnion continues to conduct a " Sham Investigation ''. I have enclosed a copy of a report from XXXX with their findings. I've been trying to explain the inaccuracies on my TransUnion Credit Report, but they continue to send me that it was verified or accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am filing this complaint because a collection agency is reporting inaccurate information on my credit report. I have disputed the account and requested validation from the debt collector, but they failed to provide proper documentation proving that the debt is valid and that I am legally responsible for it. Despite this, the agency continues to report the account to the credit bureaus. 
This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information reported to credit bureaus be accurate and verifiable. I am requesting that this collection account be removed from my credit reports and that the collection agency cease all reporting and communication until the debt is properly validated. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CT

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
A fair resolution to this issue would be : Reinvestigate the disputed late payment entries and require the furnishers to provide valid documentation proving they gave me advance notice before reporting the late payment. 

If no valid proof of notice is provided, permanently delete the inaccurate late payment ( XXXX ) reported on the following accounts : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX Provide written confirmation of all deletions or corrections, along with an updated and corrected copy of my credit report within 15 business days.

If these steps are not taken, I intend to pursue additional regulatory complaints and legal action for violations of FCRA 1681e ( b ), 1681s-2 ( a ), and 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXXXXXX XXXXXX/XX/year> I had an issue with my prior tickets from XXXX XXXX so to my knowledge, I thought a agent was trying to give me 30 % off my next booking so I agreed and got sent the information for my booking when I looked on the XXXX XXXX website it says booking unavailable so I called them and they said its been a ride the fraud using an email to contact my bank ASAP so thats what I did. They said they will give me a credit in which they do and now today Ive seen that the credit has been reversed and I have to pay it back due to them giving me my item which is false if they can look at the bank records, I later that week booked the flight with XXXX XXXX. All I want is for the chart to be removed so my direct deposit from work can be issued.

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 monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
In reviewing my credit reports, I discovered XXXX accounts that were fraudulently opened in my name : 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 XXXXXXXXThese are the result of identity theft XXXX I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus ( XXXX XXXX, and Experian ) along with copies of supporting documents ( Passport, social security card, address verification, and breach notification, FTC report, and police report ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the 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 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Had a eviction back in XXXX and trying to get it off my credit and was promised that they would take off my debt on XXXX credit bureau and have not. 
My debt was {$2000.00} They agreed with me to only pay {$1000.00}. 
Paid on XX/XX/XXXX and nothing the apartment that I tried to apply for won't approve me because of the situation even though I gave them copies of proof of eviction. 
Need help please.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an inaccurate and incorrect account listed on my credit report under the name XXXX XXXX XXXX. This account 's balance consists of improper charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
i recently reviewed a copy of my credit report and noticed improper information on my 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 2025-07-18 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: FL

Complaint narrative:
I noticed that XXXX accounts, XXXX from XXXX XXXX ( Account Number : XXXX ) and another from XXXX  XXXX ( Account Number : XXXX ), have been reported as charge-offs on my credit report. 

I believe these entries are inaccurate, outdated, and possibly unverifiable. I previously disputed them with the credit bureaus, but they failed to provide proper validation or remove the incorrect information. I have also submitted a report to the FTC under report number XXXX, and I am now escalating the matter to the CFPB for further investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. These charge-offs are negatively affecting my credit score, and I request that they be fully investigated and removed if they can not be verified.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Its for a company called XXXX XXXX XXXX, reported a balance of XXXX dollars when I have never lived here, or signed any documents or received any keys or even saw how this place looks. Ive asked credit bureaus to remove this false information. Or send me proof I have received keys are signed any paperwork or payed any deposits or cash to stay in such place. No proof provided but still reporting as an outstanding balance which is hurting my score tremendously. No proof just reporting False information. This is in fact for college students a place I wouldnt even qualify for at all. 

Account name : XXXX XXXX XXXX Orignal Creditor : XXXX 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have found multiple hard inquiries on my credit report from XXXXXXXX XXXX that I did not authorize. These inquiries negatively affect my credit score and were not initiated by me. I did not apply for credit or give any written permission for XXXXXXXX XXXX to access my credit report. 

The following unauthorized inquiries are currently showing on my credit report : XXXXXXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> I contacted XXXXXXXX XXXX  and they have not provided any documentation to prove that I authorized these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose to access a consumers credit report. Since I never gave permission or initiated any credit transaction with XXXXXXXX XXXX  these inquiries were made without authorization. 

I have already filed a complaint with the Federal Trade Commission ( FTC ). 
FTC Report XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I paid off my auto loan on XX/XX/year>, and the payment was processed. The lender refuses to release the lien until XX/XX/XXXX due to a 25-day internal policy for non-certified funds. The vehicle is titled in Ohio, where ORC 4505.10 ( B ) requires lien release within 5 business days of full payment. I contacted them multiple times requesting a lien release or satisfaction letter, but they denied it, interfering with my ability to sell the car. This delay is not supported by law and is causing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA XXXX ( a ) ( XXXX ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA XXXX ( a ) / 15 U.S.C. XXXXi, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distressXXXX XXXX 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 & XXXXBANK XXXXXXXX XXXX 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 2025-07-18 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: FL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief