vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$5300.00} 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, 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 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 2025-09-04 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: CA

Complaint narrative:
I am disputing the auto repossession account reported on my credit report Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  as inaccurate and potentially damaging. The reported information may include incorrect dates, balances, or details of the repossession. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and verify all disputed information. If it can not be verified, it must be removed immediately. 

I request an urgent investigation and written confirmation of your findings. Supporting documents are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
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 XXXX 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 : INQUIRIES : 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 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, Balance : {$1200.00} 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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, declare under penalty of perjury under the laws of the State of Georgia as follows : 1. I am the Defendant in the above-styled action, proceeding pro se.

2. I had no knowledge of the alleged debt referenced in this lawsuit until approximately XXXX weeks prior to the date of filing. 
XXXX. I did not receive any initial written notice pursuant to 15 U.S.C. 1692g ( a ) until I received correspondence from the law firm of XXXX XXXX XXXX XXXX XXXX. 
XXXX. Upon receipt of correspondence, I mailed multiple letters via certified mail to XXXX XXXX XXXX requesting validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including : - XX/XX/year>, Ref. No. XXXX, XXXX XXXX. XXXX - XX/XX/year>, XXXX XXXX. XXXX, XXXX XXXX. XXXX- XX/XX/year>, ( not sent via certified mail ) - XX/XX/year>, XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. As of the date of this declaration, I have not received validation of the alleged debt or any of the documentation requested, including a signed agreement, account history, or legal chain of title. 
XXXX. The first hearing in this case was set for XX/XX/year>. I filed a Motion to Compel Validation and Request for Continuance, which was not granted. 
XXXX. On the date of the hearing, Plaintiffs attorney requested a continuance, which was granted by the Court. The hearing is now scheduled for XX/XX/year>. 
XXXX. I make this declaration in support of my Pre-Hearing Statement, my Motion to Compel, and any further relief the Court deems just and proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly ask for your assistance in removing these accounts, as I did not open or authorize them. They appear to be fraudulent, and I have included supporting documents for your review.

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 2025-09-04 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: CA

Complaint narrative:
I am disputing the auto repossession account reported on my credit report Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as inaccurate and potentially damaging. The reported information may include incorrect dates, balances, or details of the repossession. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and verify all disputed information. If it can not be verified, it must be removed immediately. 

I request an urgent investigation and written confirmation of your findings. Supporting documents are available upon request.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
What happened : A debt collector from Global has been repeatedly contacting me by phone regarding an alleged debt. I requested that they stop calling my workplace, but they continue to harass my employers receptionist with multiple calls. They have mentioned delivering papers and made threats about serving me at work.

Additionally, they have now begun calling my ex-husband, who is not responsible for this debt. They contacted him without my permission and discussed or referenced the alleged debt.

Why this is a problem : These actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically : 15 U.S.C. 1692b ( 3 ) : contacting third parties more than once for location information.

15 U.S.C. 1692c ( b ) : discussing the debt with third parties.

15 U.S.C. 1692d : engaging in harassment or abuse.

What I want : I request that this company : Cease all workplace contact.

Provide full written validation of the alleged debt.

Stop making false or misleading threats of serving papers. 

I am requesting the CFPB to investigate these practices and take appropriate enforcement action. 

Supporting evidence I can provide : Call logs from my workplace receptionist. 

Notes of threats made during calls.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I got the Citi Double Cash card specifically for the ability to create virtual card numbers with a custom expiration date of XXXX month ( or less ) and any specific dollar limit. I have used this card and this feature for years. 

Out of the blue, they removed it. Now, every virtual card created is good for YEARS, tremendously increasing the likelihood of fraud. 

In addition, instead of allowing me to specify the charge limit, I can only choose from a few specific pre-set amounts ( {$50.00}, {$75.00}, {$100.00}, {$300.00} ), or NO LIMIT WHATSOEVER. 

These changes make the card so much less secure and prone to fraud. 

In addition, EVERY virtual card I created in the past suddenly stopped working, without any notification. They never sent me a letter, an email, nor a phone call. Instead, they put a MINOR footnote in the fine print of the XXXX statement, which doesn't even get sent out. You would only see if you actively logged in, sought it out, found it, downloaded it, and read the fine print.

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 2025-09-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX To : Experian, P.O. XXXX XXXX, XXXX, TX XXXX Equifax, XXXX. Box XXXX, XXXX, GA XXXX TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request for Block of Fraudulent Information Pursuant to 15 U.S.C. 1681c-3 Dear Sir or Madam, I am writing to dispute and request the blocking of inaccurate and fraudulent information that appears on my credit report, as permitted under 15 U.S.C. 1681c-3 of the Fair Credit Reporting Act.

I am a victim of identity theft. The information that has been placed on my credit file was the result of fraudulent activity and does not relate to any account or transaction I have authorized. Under the law, I have the right to have this information blocked from my credit report. 






The following accounts are fraudulent and should be blocked immediately : 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, CA XXXX Please take the following actions : 1. Block all information on my credit report that is the result of identity theft.

2. Cease reporting this fraudulent information to any third parties.

3. Confirm in writing that the disputed information has been blocked and removed. 

Enclosed are the following documents to verify my identity and support my request : - A copy of my government-issued identification ( Drivers License ).

- Proof of address ( utility bill, bank statement, or lease agreement ).

This letter serves as my formal request under 15 U.S.C. 1681c-3. Please investigate this matter promptly and provide written confirmation of the actions taken. 

Thank you for your immediate attention to this serious issue. 

Sincerely, ______________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not initiate or authorize these accounts, which are fraudulent. Please ensure they are removed from my credit history and fully investigated. Documentation is provided.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
In XX/XX/year>, I had an oversight on my Golden1 account where a payment of only {$5.00} remained unpaid from the XX/XX/year> due date. This small balance was paid in full on XX/XX/year>, which brought the account current. Despite this, Golden1 reported the account as 30 days late to all three credit bureaus. 

This single {$5.00} oversight caused nearly a XXXX drop in my credit score, even though I have otherwise maintained a perfect payment history with Golden1 and currently hold two large loans with them. 

I submitted a goodwill adjustment request on XX/XX/year>, and followed up with a second detailed letter on XX/XX/year> explaining the situation and how Golden1s online system typically auto-populates the correct payment amount ( making this error unintentional ). Golden1 responded on XX/XX/year> and again on XX/XX/year>, but both times they refused to remove or adjust the negative mark, stating only that their reporting was accurate.

While the reporting may technically reflect the payment date, I believe the penalty is disproportionate for such a small oversight, and Golden1 has refused to make a reasonable goodwill adjustment despite my long history of good standing.

I am requesting that the late payment be removed from my credit history due to the minimal amount involved, my otherwise perfect payment record, and the substantial and unfair impact it has had on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MO

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 XXXX 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 : 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 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, Balance : {$23000.00} 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 2025-09-04 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
These accounts were opened in my name fraudulently. I believe my information got leak in the data breach. No actions were taken by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed 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 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : INQUIRIES : 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  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, 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 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 2025-09-04 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: CA

Complaint narrative:
A late payment has been inaccurately reported on my credit report. My documented history demonstrates that all payments were made promptly, and this reported delinquency is incorrect.

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