vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 2025-07-17 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-17 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: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Called to let them know that I had an emergency XXXX and would be out of work for several months. I was told that I had XXXX insurance on my account and was given a phone number to contact a third-party insurer. Later discovered that I was given a bogus phone number to someone who collected all of my personal information to include Social Security number and income .. the XXXX insurance never existed and a terminated employee had access to my Social Security number and income. I was told the company would have someone call me back to discuss this breach and no one ever did even after calling them several times. Then they sent my account to an attorney, as if they never made contact with me. They also put a charge off on my credit when I tried to complain about the fraudulent behaviors from the terminated employee. They refuse to remove the charge off, even after I agreed to continue to make payments. The company seems to be retaliating because I complained that my information was breached and that they purposely let my account not be assigned for payment arrangements. Instead, they gave it to their attorney without even investigating the breach in my concerns. I would like the charge of removed immediately and I do agree to continue to pay monthly on the loan which has a remaining balance of {$2700.00}. Mariner Finance continues to brush off my complaint and ignores that the default was a result of the breach and fraudulent activity on their part..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I canceled a round trip flight from XXXX XXXX XXXX. The flight was booked through Chase XXXX using my Chase Sapphire credit card in XX/XX/year>. I received a {$650.00} credit, which I have since been trying to use. However, Chase XXXX will only allow me to use the credit on a single booking, and if my flight costs less than {$650.00}, I will forfeit the remaining value. 

I have asked to use the credit across two round-trip tickets, or to transfer the credit to XXXX XXXX , where I could use it under their more flexible policy but Chase has refused. However, what they are offering is not a true transfer, it is a rebooking of the original ticket, which still requires that I use all {$650.00} at once. This is not the same as a XXXX XXXX XXXX ( XXXX ) under XXXX policy, which would allow me to use the remaining value across multiple trips.

I am not asking for a refund. I am simply asking to use the full value I paid, either by booking two trips through Chase, or by having the credit fully released to XXXX where I could use it under their standard credit terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: OH

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 2025-07-17 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
I am submitting this complaint against Absolute Resolution Investments LLC ( XXXX ) for their unlawful collection activities concerning a debt I have reported as fraudulent and not owed by me. Despite notifying the original creditor that the account was a result of identity theft and submitting formal fraud reports, the debt was transferred or sold to XXXX. 

XXXX has since engaged in the following unlawful conduct : Aggressively attempting to collect a fraudulent debt, even after being notified of its disputed nature. 
Visiting my residence, which I consider to be a form of harassment and intimidation. 
Threatening legal action without a valid basis or documentation. 
Furnishing the fraudulent debt to XXXX or more credit bureaus, causing significant damage to my credit. 
Failing to mark the debt as disputed and ignoring my prior disputes and documentation. 
Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), these actions are illegal. I have already submitted an FTC Identity Theft Report and police report under 15 U.S.C. 1681c-2, which requires blocking of the fraudulent account and cessation of collection efforts. Their failure to do so violates my consumer rights under both federal statutes. 

Requested Resolutions : Immediate cessation of all collection efforts by XXXX. 
Full removal of the account from all credit reporting agencies. 
Written acknowledgment that the debt is fraudulent and will not be reassigned, sold, or re-reported. 
Investigation and enforcement action by CFPB for clear violations of the FCRA and FDCPA. 
Compensation for harm to my credit, time, and emotional distress caused by unlawful collection activities. 
I am prepared to submit supporting documentation, including : Identity Theft Report ( FTC ) Police Report Previous written disputes to the original creditor Collection letters and call logs from XXXX Please contact me if further documentation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed:XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9200.00} XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} 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 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 2025-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-07-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my fifth attempt to resolve an issue regarding the inaccurate reporting of an account listed as XXXX XXXXXXXX by the credit bureaus : XXXX, Experian, and XXXX. Despite my previous dispute efforts, this account continues to reflect inconsistent and incorrect information across my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ) and Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

Disputed Inaccuracies : Credit Limit is reported as {$0.00} on XXXX, but {$400.00} on
XXXX  and Experian.

High Credit is reported as {$0.00} on Experian, but {$600.00} on XXXX and XXXX. 
Last Reported Date varies across all three bureaus : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Last Active and Last Payment Dates are not uniform between reports, and do not appear to match the charge-off timeline.

These inconsistencies are material and affect how lenders view my creditworthiness. The FCRA mandates that the information furnished be accurate and complete. Multiple discrepancies violate that standard.

What Im Requesting : I am formally requesting that the CFPB assist in ensuring the credit bureaus either : Provide documentation from XXXX that verifies the full accuracy of the reporting, or Delete the account from my credit file if it can not be verified as 100 % accurate across all three bureaus. 

Ive given the credit bureaus ample time to investigate and correct these errors. Yet, they continue to allow inaccurate and conflicting data to remain, which is harming my credit standing. 

Supporting Information : Please see the attached screenshot of the account as currently reported, highlighting the issue Thank you for your time and assistance in resolving this matter. 

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 2025-07-17 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: IL

Complaint narrative:
Subject : Complaint for Inaccurate and Inconsistent Reporting Across Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ) Dear CFPB, Im filing a formal complaint regarding an account on my credit report that is being reported inaccurately and inconsistently across all three major credit bureaus : XXXX, Equifax, and XXXX 

The account in question is from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have reviewed my credit reports and found that the details on this same account vary from bureau to bureau, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Here are the inconsistencies Ive identified : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX reporting at all Equifax shows a {$0.00} credit limit and a {$670.00} high XXXX  shows a revolving credit account but is missing detailed credit limit info. 
Last Reported Date : XXXX XXXX XX/XX/2025 Equifax : XX/XX/2025 XXXX not reporting any information Equifax : Consumer disputes this account information. Charged off account. 
XXXX has different or unclear comment language. 

Under Section 607 ( b ) of the FCRA, credit reporting agencies are required to maintain maximum possible accuracy in the information they report. The conflicting information listed above proves that this account is not being reported consistently or accurately.

Also, under Section 611, I have the right to dispute any information that is inaccurate or can not be verified. I have already contacted the credit bureaus requesting a reinvestigation and correction, but I am filing this complaint with the CFPB to ensure the matter is fully investigated and corrected. 

I am requesting that your office : XXXX. Investigate this issue with the credit bureaus and XXXXXXXX XXXX XXXX 
XXXX. Ensure that all inaccurate or unverifiable information is corrected or removed. 
XXXX. Confirm that all bureaus are reporting the same, verified information going forward. 

Attached are screenshots from my credit reports showing the inconsistencies. Please let me know if you need anything else to move forward. 

Thank you for your time and support in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation