vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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:
XXXX XXXX is reporting a charged-off credit card account as a derogatory item on my credit reports. The account shows as Charged off/ Cancelled by credit grantor with a balance of {$850.00}. However, I never received a required IRS Form 1099-C for cancellation of debt, which creditors must issue if the debt was truly cancelled. This creates an inconsistency : the creditor is reporting the account as cancelled, but they have not provided the legally required documentation. 

In addition, the information being reported is inconsistent across credit bureaus. For example, the last payment date differs ( XX/XX/year> vs. XX/XX/year> ), the account limit and balance fields are reported differently, and the remarks do not match. These discrepancies make the account unverifiable, inaccurate, and misleading under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be fully removed from all of my credit reports because it is being reported inaccurately, inconsistently, and without the required 1099-C documentation.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
We were alerted that someone tried to open a bank account via XXXX XXXX XXXXXXXX. WE shut it down and tried to freeze our credit at transunion, Experian and XXXX. And since then they have unfrozen my credit and changed my log in!

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 2025-08-18 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: IL

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Experian credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If XXXX  can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX PM XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX- {$24000.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
They sent info that i owe a debt without providing An itemized calculation of the current amount owed, showing principal, interest, and any fees and didmt let me know i could dispute said debt if it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NC

Complaint narrative:
I had to submit a complaint regarding XXXX XXXX  not correcting errors on my report for multiple XXXX late payments that were never made late. 
I have extensive payment transaction records, letters, and other documentation showing that XXXX XXXX  is talking in circles and continues to send XXXX sentence responses and does not respond to my complaints or my requests telling me to contact my current loan servicer who tells me that they can not make changes to my credit report and to contact my previous loan servicer XXXX XXXX  sold this loan After taking XXXX  days to process a modification from my previous lender. In the meantime, I never missed a payment. 
I have all of the payment receipts and bank statements and everything and I sent it in a packet to all XXXX  credit reporting bureaus. Equifax came back XXXX day after they received it in the mail and signed the certified mail receipt. After XXXX day they had it closed and did not make any changes or updates to the report. I have lost countless opportunities for jobs I have Been denied for a refinance on my current mortgage and my husband and I were denied to buy a new house for only this situation my credit score is XXXX but I show these XXXX  day late payment still on my report from XXXX Equifax XXXX not do any due diligence and I dont know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: 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 2025-08-17 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX ACCOUNT WAS OPENED FRAUDULENTLY XXXX  XXXX XXXX XXXX {$1100.00} XX/XX/XXXX ACCOUNT WAS OPENED FRAUDULENTLY

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$4300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I hadn't used my TD Bank/Target card in quite a long time and used it in XXXX and forgot I had used it. I don't remember seeing a statement for it, never received any calls or emails about being late, and found out about being XXXX  days late from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Summary : On XX/XX/year>, I discovered that LVNV Funding LLC reported a collection account for {$420.00} to XXXX. The account shows an opened date of XX/XX/year>. I have never received any notice of this alleged debt, nor any validation, prior to it appearing on my credit report. 

Violations : - FDCPA 809 ( a ) Failure to send a written notice of debt within 5 days of initial communication.

- FDCPA 809 ( b ) Continued collection activity ( credit reporting ) without first providing validation.

- FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known, or that should be known, to be inaccurate.

- FCRA 611 & 605B Failure to ensure the accuracy and verifiability of reported information and to block unverifiable tradelines. 

Details : I have sent LVNV Funding LLC a certified Debt Validation / Cease & Delete demand and notified XXXX, XXXX, and XXXX  via certified mail that this account is disputed, inaccurate, and unverifiable. The letters demand immediate deletion within 5 business days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I contacted the bureaus and asked them to remove fraudulent information.There was an account with XXXX that I did not open. 
Transunion removed it then subsequently reinserted it under a collection company which they have no legal grounds to collect especially an account opened fraudulently. 
Equifax deleted it then reinserted the same account they are violating my rights and laws XXXX Grounds for Dispute : * * XXXX XXXX. XXXX * * You XXXX not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose. 
* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as 100 % accurate. 

* * XXXX XXXX. XXXX * * You are required to complete an investigation within * * XXXX  days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *. 

* * XXXX XXXX. XXXX Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must XXXX the information within XXXX business days and stop reporting it to XXXX  XXXX. 

* * XXXX XXXX. XXXX ( a ) ( XXXX ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft. 
* Once I send ID theft report, you must stop furnishing that information to CRAs. 
Also in accordance with XXXX XXXX. XXXX ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file. 
* Reporting fraudulent accounts is a failure of reasonable procedures. 
* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly.

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 2025-08-18 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My accounts were closed without warning and now I have no access to any banking statements from all closed accounts. I can not do taxes because of this. I was a loyal customer for over 10 years, never missing a payment. My accounts were closed without warning and chase refused to tell me why they closed my accounts. I had personal and business accounts with them where I had transactions over {>= $1,000,000} in a year and close to $ XXXX in credit lines. Chase randomly closing my accounts for NO valid reason is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
I am reporting unauthorized inquiries on my credit report due to identity theft. These inquiries were made without my consent. Please remove them from my credit file immediately. Below are the fraudulent inquiries XXXX. XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX MN XXXX Details This inquiry was not authorized by me and is fraudulent XXXX. XXXX XXXX XXXX  XXXX XXXX Date XXXX Address XXXX XXXX  XXXX XXXX XXXX VA XXXX Details This inquiry was made without my permission and is fraudulent XXXX. XXXX XXXX XXXX Date XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXX Details This inquiry was unauthorized and is a result of identity theft XXXX. XXXX XXXX XXXX  XXXX XXXX Date XXXX Address XXXX XXXX  XXXX XXXX XXXX VA XXXX Details This inquiry was not initiated by me and is fraudulent I did not apply for credit accounts or services with these entities. These inquiries are due to unauthorized use of my personal information. I have filed a police report or an identity theft report with the FTC at XXXX.

Company response to consumer: Closed with explanation