vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-30 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:
The following collection account are not mind and wasn't suppose to be on my consumer report, there as been series of inaccuracy on my consumer report which is very unfair and does not follow the FRCA guidelines, please kindly remove the following collection account because I got nothing to do with them. 

Debt Recovery Solution XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023

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 2025-07-31 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-31 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: GA

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any inquires that I have ever made. It is the result of identity theft. 


XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind m

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank claims they did a random audit of my account and reduced the credit limit for a credit card I have had with them for 8 years from {$13000.00} to {$2500.00}. The reasons the claim are : - Balance owed on revolving accounts too high - Balances on accounts are too high compared to credit limits - Number of accounts currently in use The balance of the card in question was and is {$0.00}. I have another card with them that has a balance because they offered no APR on balance transfers. I have a 100 % payment history and have had my income drastically increase since opening these cards. I do not see any valid reason for the reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, am a XXXX recent widow who banked with XXXX XXXX for more than twenty-five years before my accounts were transferred to Chase following the XXXX acquisition. Until XX/XX/XXXX I had never withdrawn more than {$300.00} in cash at any time. My total liquid assets at Chase on XX/XX/XXXX stood at approximately {$85000.00}. Within ten days their XXXX XXXX branch in XXXX XXXX permitted me to remove $ XXXX XXXX percent of everything I ownedwhile I was under real-time coercion from an impostor posing as a Chase executive working with federal agents investigating charges on her account related to XXXX XXXXXXXX. Of the {$74000.00}, {$62000.00} was surrendered to the criminal ; the remainder was saved only because I realized, with help from a friend, that I was being defrauded. 
Chronology of the Abuse : XXXX XXXX XXXX {$37000.00} 44 % ; Immediately following call with fraudster, visibly agitated and distressed. 
XXXX XXXX XXXX {$25000.00} 29 % Same coercion, eight days later, visibly agitated and distressed. 
XXXX XXXX XXXX {$11000.00} 14 % Third visit ; teller complied but client retained cash after epiphany. 
The Bank should have had my back, especiallly the officer who knew I was recently widowed and in a vulnerable position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
Let Equifax know theres fraudulent information on my report, submitted a dispute with them, they claimed to validate this information, but won't provide me with any information how it was validated ( since its fraudulent ) and they keep reporting it on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute hard inquiries listed on my credit report dated XX/XX/, from Equifax, TransUnion, and Experian, which are not associated with any accounts that I personally applied for or opened. 

Under my rights established by the Fair Credit Reporting Act ( FCRA ), Section 604, all inquiries must have a permissible purpose. Any inquiry made without my explicit consent and without valid justification constitutes a violation of this regulation. 

On XXXX XXXX XXXX, I sent notarized letters via certified mail to each of your agencies, including all supporting documentation. To date, I have not received any response or resolution regarding the removal of the disputed inquiries. 

Therefore, I am formally requesting that you investigate and immediately remove any inquiries that are not related to the legitimate accounts listed in my credit history, and provide written confirmation of the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/year> To Whom It May Concern, I am writing in response to a letter I received regarding an alleged debt. This is not a refusal to pay, but a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting that you provide the following documentation to validate the debt : XXXX. The name and address of the original creditor ; XXXX. The original amount of the debt, along with a detailed breakdown of any interest, fees, or other charges ; XXXX. Proof that you are legally authorized to collect this debt, including a copy of the assignment or purchase agreement ; XXXX. A copy of the original contract or agreement bearing my signature ; XXXX. Proof that the debt is within the statute of limitations in the State of Florida. While this request is being processed, please cease all collection activities, including reporting this debt to any credit reporting agencies, as required by 15 U.S.C. 1692g ( b ). If you are unable to provide proper validation, or continue collection efforts without doing so, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. Please respond in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had an account with Best Buy. I tried to pay what I could during my divorce and after. The company that sold my account. Who purchased a bulk of accounts told me that I owe an amount that the company said. That wasn't correct. I asked for a copy of the balance of my account is higher. I paid a discount amount. The account should be pay off. But want more and keeping taking it out of my saving account. Refused to send me notice of the withdrawn of their requests. 
The company is XXXX XXXX XXXX XXXX XXXX. 
I asked to finalize the amount, but they will not forward a copy of the statement of my balance Best Buy. I noticed it is the same amount each month with a bill to me. No proof of my obligation owes. According to my credit report is higher. The amount is less on another site and their last statement is less than I all of them. They are holding me back with this action on their part. 
I want this nightmare to be handle. They will not talk to me because have a dispute with them. How do I know if Best Buy been paid in full?

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a debt collection notice from XXXX XXXX for {$2400.00} owed to a PayPal account that was opened under my name and physical address at the end of XX/XX/year>. I filed an FTC Identity Theft affidavit and a dispute directly with XXXX regarding this debt, wherein I requested all information I am privileged to under the Fair Credit Reporting Act ( FCRA ). I received a follow up from XXXX at the beginning of XXXX with some ( email addresses used to open the account, specific transactions on the account ) but not all the requested information I am privileged to under the FCRA ( e.g., phone numbers used to sign up for the account or for XXXX ). They made it clear they are not taking my FTC identity theft report and allegations seriously, as they continued to claim they are seeking collection of the debt from me. I submitted a second FTC Identity Theft affidavit, as well as a police report with the XXXX XXXX XXXX 's office, regarding this. I also submitted a second dispute to XXXX and informed them that they did not provide all information I requested under the FCRA, in violation of the Act. To date, I have not heard a response and believe they may be moving towards court action on the matter. While the account was opened using my name and a partially correct address, the email address that was used to open the account as well as the email account involved in the transactions is not mine. The debt is not mine. XXXX has failed to work with me and PayPal to perform a more serious investigation into identity fraud and it's getting to the closer to the point of needing to take legal action if not resolved. I seek immediate confirmation from XXXX that they are XXXX ) taking the matter seriously and investigating this allegation with extreme due diligence, XXXX ) will provide me with the phone number ( XXXX ) used to open and/or are associated with the account, and XXXX ) are not seeking a collection of debt from me on this fraudulent account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
This is my second complaint against Phoenix Recovery Group and XXXXXXXX XXXX XXXXXXXX. I am demanding immediate deletion of this tradeline due to their failure to properly validate the debt and their willful violations of the Fair Credit Reporting Act ( FCRA ) and Texas Property Code. 

Phoenix provided a partial lease and a handwritten billing ledger that contains major inaccuracies : No Proper Validation : The documents fail to show how the final amount was calculated. There is no legal justification or lease clause supporting their use of accelerated rent or the 40 % fee deduction they claim was owed. The lease clearly states the early termination fee is {$1000.00} not XXXX XXXX 

False Eviction Charge : Their spreadsheet includes an Eviction charge, but I was never evicted. I vacated voluntarily. They have provided no court record or judgment showing an actual eviction took place. 

Illegal Rent Acceleration : Texas Property Code 92.006 ( f ) prohibits rent acceleration clauses in residential leases. Yet, Phoenix submitted calculations that appear to rely on acceleration, which violates state law and voids those charges.

Improper Charge-Back Math : On their own statement, they admit a new resident moved in on XX/XX/year> and subtract {$5900.00} from the amount owed, but then use confusing, undocumented math that leads to an inflated total. They also note a 40 % charge deduction that is not mentioned in any part of the lease they submitted. 

Re-Aging and Reporting Violations : The account continues to update, even though the Date of First Delinquency ( DOFD ) was years ago. This is illegal under FCRA 623 ( a ) ( 5 ). No documentation proving the accuracy of the reporting has been provided.

Failure to Respond Appropriately : Phoenixs initial CFPB response ignored key points of my first dispute including all legal issues raised and made no effort to validate the charges as required by federal law.

Because Phoenix Recovery Group has failed to meet basic FCRA and Texas validation standards, I demand this account be permanently deleted from all consumer credit reports. They have not proven ownership, accuracy, or legality of the debt, and their reporting is harming my credit and life. 

I am also pursuing legal action and reporting these violations to the Texas Attorney General, FTC, and HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX 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 2025-07-30 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: AL

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 XXXX 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 disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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