vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: IN

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Date : XX/XX/XXXX XXXX ( Last XXXX digits ) : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Summary of Issues I am writing to formally file a complaint regarding multiple inaccurate and unauthorized entries on my credit report. I have attempted resolution with the credit reporting agencies and/or furnishers, but these issues remain unresolved. Please removed all inaccurate information 's along with all fraudulent account in my report they are affecting my ability to obtain credit, Thank You.

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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
portfolio recovery has been reporting a collection on my credit report i have no knowledge of this collection account can you please have this collection removed from credit report i have submitted all complaints but i havnt heard back and no respone from the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Kriya Capital, LLC
State: MI

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. 

Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX  reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Items are inaccurate, unverifiable, and in violation of my rights under the FCRA specifically under XXXX XXXX XXXX XXXX. 

false inquiry that werent made by me and inaccurate balance of {$13000.00}. All the late payments are inaccurate and unverifable. No proof of me owing this amount of debt. No steps taken to provide me with correct information that this debt is indeed mine. This needs to be removed

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 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I dont have an account from XXXX XXXX XX/XX/year>. I do not owe this debt nor ever received any bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: VA

Complaint narrative:
I have recently looked at a copy of my credit report and notice that there are many inaccuracies in the reporting. This fraudulent information is preventing me from obtaining any credit in this information needs to be removed from my credit report now. 

Equifax XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion 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 XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXXDOFED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 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 XXXXXXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDOFED - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXXDOFED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
If you are unable to fully validate this account, you are required under Section 611 ( a ) ( 5 ) ( A ) of the FCRA to promptly delete the mortgage entry from my credit report. Continued reporting of unverifiable or inaccurate information is a willful violation of the FCRA, exposing you to statutory damages under Sections 616 and 617.

Despite multiple attempts to resolve these matters through the formal dispute process, you have continued to report these accounts as " verified '' without providing me with the original contracts bearing my signature or the method of verification, as required under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

Under Section 611 ( a ) ( 5 ) ( A ), you are required to promptly delete any information that can not be verified. Your ongoing reporting of unverifiable information constitutes willful and negligent noncompliance under Sections 616 and 617 of the FCRA,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Charge-off Listing Account Number : XXXX Date Opened : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute an inaccurate entry on my credit report regarding the account referenced above. According to the details provided, this account is listed as a charge-off, with an indication of " Repossession ; Redeemed. '' However, I would like to clarify that the vehicle associated with this loan was paid off in full and was not subject to repossession. 
As a result, this entry is incorrect and should be updated to reflect the accurate status of the account. I respectfully request that you remove the charge-off and repossession information from my credit report as it does not accurately represent the status of the loan. 
Please provide the following documentation to support your investigation : 1. Proof of the charge-off or evidence of any repossession.

2. Payment confirmation or redemption letter to demonstrate that the loan was paid off in full.

3. Updated account status reflecting the correct payment history and loan completion.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter and provide a response within 30 days. If you can not validate the charge-off or provide the necessary documentation, I request that this account be removed from my credit report entirely.

Please send any correspondence and documentation to the address listed above. I appreciate your attention to this matter and look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Charge-off Listing Account Number : XXXX Date Opened : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute an inaccurate entry on my credit report regarding the account referenced above. According to the details provided, this account is listed as a charge-off, with an indication of " Repossession ; Redeemed. '' However, I would like to clarify that the vehicle associated with this loan was paid off in full and was not subject to repossession.

As a result, this entry is incorrect and should be updated to reflect the accurate status of the account. I respectfully request that you remove the charge-off and repossession information from my credit report as it does not accurately represent the status of the loan.

Please provide the following documentation to support your investigation : 1. Proof of the charge-off or evidence of any repossession.

2. Payment confirmation or redemption letter to demonstrate that the loan was paid off in full.

3. Updated account status reflecting the correct payment history and loan completion.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter and provide a response within 30 days. If you can not validate the charge-off or provide the necessary documentation, I request that this account be removed from my credit report entirely.

Please send any correspondence and documentation to the address listed above. I appreciate your attention to this matter and look forward to your prompt resolution. 
Sincerely, 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Charge-off Listing Account Number : XXXX Date Opened : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute an inaccurate entry on my credit report regarding the account referenced above. According to the details provided, this account is listed as a charge-off, with an indication of " Repossession ; Redeemed. '' However, I would like to clarify that the vehicle associated with this loan was paid off in full and was not subject to repossession.

As a result, this entry is incorrect and should be updated to reflect the accurate status of the account. I respectfully request that you remove the charge-off and repossession information from my credit report as it does not accurately represent the status of the loan.

Please provide the following documentation to support your investigation : 1. Proof of the charge-off or evidence of any repossession.

2. Payment confirmation or redemption letter to demonstrate that the loan was paid off in full.

3. Updated account status reflecting the correct payment history and loan completion.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter and provide a response within 30 days. If you can not validate the charge-off or provide the necessary documentation, I request that this account be removed from my credit report entirely.

Please send any correspondence and documentation to the address listed above. I appreciate your attention to this matter and look forward to your prompt resolution. 
Sincerely, 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 2025-05-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Issue : Unauthorized credit inquiry Company : JPMCB ( Chase ) What happened : I discovered a hard inquiry from JPMCB ( Chase ) on my credit report, but I never submitted an application for any Chase product or account. 

I reached out to Chase but was not provided with any verification or documentation proving that I gave permission for this inquiry. 

As outlined in the Fair Credit Reporting Act ( FCRA ), a hard inquiry requires consumer authorization and a legitimate purpose. I did not grant consent for this. 

This unauthorized inquiry has negatively impacted my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
my information was exposed in the equifax data breach which caused identity theft Pursant to section 605B of the Fair Credit Reporting Act ( FCRA ) I am requesting that you remove and block the reporting of all accounts resulting from identity theft. Under 15 USC 1681c-2, XXXXXXXX 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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Possible Financial Inc
State: OH

Complaint narrative:
I have called this company. I have emailed this company and still wasnt able to make payments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX  XX/XX/XXXX {$11000.00} Late 90 Days / Closed XXXX  XXXX XX/XX/XXXX {$200.00} Current/Closed Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I have let these companies know that these accounts are identity theft and they have not removed them yet please remove these accounts they are not mine

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this debt, including : The amount of the alleged debt, with a breakdown of charges and fees.

The name and address of the original creditor.

A copy of the original agreement or contract showing that I am legally obligated to pay this debt.

Proof that you have the legal right to collect this debt.

Please note that until this validation is provided, you are required by law to cease all collection activities, including reporting this debt to credit bureaus. If you have reported this debt on my credit report, I request that you mark it as disputed.

If you can not provide the required documentation, you must stop all collection efforts and remove any negative credit reporting associated with this debt.

Thank you for your prompt attention to this matter. I expect to receive the requested validation within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXXXXXX XXXX XXXXXXXX ( b ) and XXXXXXXX XXXX XXXXXXXX ( XXXX ) this data on my credit is a clear violation of not reporting XXXX XXXX accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/year>

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 2025-05-31 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: Global Lending Services LLC
State: GA

Complaint narrative:
The inquiry was not authorized Date of inquiry : XX/XX/year> Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Should the creditor fail to provide verification, I kindly ask that you delete any unverifiable information. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Company response to consumer: Closed with explanation