vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXXXXXX XXXX / Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: MD

Complaint narrative:
Payment processors should not be allowed to say what is morally acceptable for someone to purchase by prohibiting people from purchasing items that are legally able to be purchased. This tactic stifles the freedom of individuals and makes things like XXXX and LGBT topics more taboo in a country where discussion of these topics is critical right now.

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 2025-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am a victim of ID theft. There are accounts that are opened using a GA ID that does not belong to me. These companies that reached out let me know that a GA ID was used to obtain and open these accounts and I would like these accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was in the process of trying to buy a car, and there was damage on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report. 

Remove All Fraudulent Accounts Immediately!!! 

I am writing to formally dispute a charge on my credit card account in accordance with the XXXX XXXXXXXX XXXX XXXX ( XXXX  ). The details of the disputed transaction. 


I am writing to dispute inaccurate information that your company is reporting to the credit bureaus regarding my above-referenced account. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am formally requesting that you investigate this matter. The information currently being reported is inaccurate for the following reason : Under 15 U.S.C. 1681i, you are required to investigate my dispute, report the results to me, and correct or delete any inaccurate or unverifiable information within the required timeframe ( generally XXXX  days ). 

Please confirm in writing when the investigation is completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-28 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CO

Complaint narrative:
I am disputing multiple unauthorized inquiries on my credit report. These inquiries were made without my consent and have negatively impacted my credit standing and score. 

Despite prior assurances from your agency that they would be removed, these entries remain. This ongoing inaction is unacceptable. 

These potentially fraudulent inquiries raise concerns about identity theft and are causing both financial and emotional distress.

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 2025-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Please see the attached PDF for a description of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MS

Complaint narrative:
I enter a Debt Settlement Program to help settle my debts. It was with Beyond Finance Company. l was paying XXXX monthly starting in XX/XX/2024 for XXXX which comes to XXXX. I would check my account monthly the money they paid towards my accounts dont come to half of that which was a problem to me.I read some information on line that they may get a Class Action Lawsuit for misrepresentation of service, failure to disclose fees, and inadequate handling of unrolled debts which all of the above happen to me. I STOP sending payments when l got the information.That is why lam fileing the complaint.lf you need more information let me know. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: MO

Complaint narrative:
I was seeing my options on loans and decided I didn't want to take out the loan due to high interests rates. So I do not owe them money of any sort. Now, the company calls my work and leaves messages for me and calls my cell phone number and sends emails. I have called them back and asked if I currently owed them money? They said no, I said please stop calling my work and leaving messages under the resident emergency line which ends up calling the maintenance and manager on-call. The way they conduct business is unprofessional. I would never do business with a company that will call and leave messages for other people ( even though there are prompts that clearly state and yet they still leave a message ). Call the number that was given, which is the personal cell. I don't conduct my personal affairs at work. 
They called from a local number of XXXX but they leave XXXX as their call back number. So they use some kind of phone spoofing technology to gain access to a local number in hopes the phone call will get answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX for {$3100.00} To whom it may concern ; This account referenced above has sent me a debt collection in the mail, to collect unpaid debt. I have never opened a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is fraudulent and needs to be removed immediately. I was told by Equifax that they would look into this matter and remove. I was also told that this credit card was open in Minnesota and used in Minnesota and I have never lived in Minnesota, nor have I ever opened a credit card from XXXX XXXX XXXX The amount due is {$3100.00}. Again, this is fraudulent and I want it to be investigated and removed from my credit immediately. My Social security number is XXXX and my License is XXXX Expires XX/XX/28 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My XXXX loans had been forgiven and had been removed from my credit report and then on Monday, XX/XX/year> I got an alert that my credit score had dropped and when I pulled my report the XXXX Loan had reappeared.

I have included a copy of the Discharge letter for your records.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX  loans had been forgiven and had been removed from my credit report and then on Monday, XX/XX/year> I got an alert that my credit score had dropped and when I pulled my report the XXXX Loan had reappeared. 

I have included a copy of the Discharge letter for your records.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX  loans had been forgiven and had been removed from my credit report and then on Monday, XX/XX/year> I got an alert that my credit score had dropped and when I pulled my report the XXXX Loan had reappeared.

I have included a copy of the Discharge letter for your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was placed into Forbearance for the XXXX XXXX. Now, interest will start accruing on XX/XX/XXXX. There are no real options for ending the forbearance because the government has blocked it. The XXXX options are horrible and the loan repayment calculator on the student loan site is providing different numbers. During this forbearance, no payments count towards XXXX. I have no options here regarding payments. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXS, Date Opened : XX/XX/year>, Balance : {$1400.00}

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 2025-07-28 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I am writing to formally dispute and request the immediate investigation and correction of the following accounts on my credit report generated XX/XX/year>. This notice is issued in accordance with : - 15 U.S. Code 1681e ( b ) Reasonable procedures to assure maximum possible accuracy - 15 U.S. Code 1681i ( a ) Duty to reinvestigate - 15 U.S. Code 1681b ( a ) ( XXXX ) Permissible purpose - 15 U.S. Code 1692g Debt validation requirement - XXXX  Privacy Rule Unlawful disclosure of protected health information - FTC Case Nos XXXX XXXXXXXX, XXXX Official reports of identity theft Items to Dispute & Remove : XXXX. XXXX XXXX Acct Ending XXXX - Shows as open on Experian ; closed on TransUnion and Equifax. 
- This discrepancy violates 15 USC 1681e ( b ). Please remove. 

XXXX. XXXX  XXXX XXXX  Ending XXXX - Inconsistent delinquency reporting ( XXXX days on Experian, XXXX elsewhere ). 
- This is inaccurate and prejudicial. Please remove. 

XXXX. XXXX XXXX XXXX  Ending XXXX - Late payment pattern inconsistent with Equifax and TransUnion. ( Identity theft ) - Please remove. 

XXXX. Collections Multiple medical accounts reported without documentation. 
- XXXX XXXX, if the collector is not the original creditor or has no signed authorization, this is a violation. 
- I demand full validation under XXXX XXXX XXXX or deletion of these items. 

XXXX. Any Item Tied to Identity Theft ( see FTC Cases above )- As confirmed by official reports, any unauthorized inquiries or accounts must be deleted under 15 USC 1681c-2 on or before XXXX business days. 

Please provide written confirmation of your findings and the actions taken. This letter serves as formal notification under the FCRA that inaccurate or unverifiable items must be deleted within XXXX business days.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-28 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 Data 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 transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. Identity Theft XXXX XXXX XXXX : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX Account XXXX : XXXXXXXX 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

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 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