vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I maintained a checking account with JPMorgan Chase Bank. 
Recently, Chase closed my account citing suspected fraud, but refused to provide any evidence or supporting documentation when I requested information. 

I categorically deny any involvement in fraudulent activities. The closure was conducted without transparency, due process, or meaningful communication. 

I am requesting that Chase provide full documentation and a detailed explanation of the basis for the account closure. 

Furthermore, if any negative information was reported to consumer reporting agencies, including XXXX or XXXX XXXX XXXX  I demand that such reporting be retracted or corrected immediately to prevent unjust harm to my consumer banking record. 

Failure to provide a legitimate basis for the closure may be construed as unfair, deceptive, or abusive acts or practices ( XXXX ) under applicable federal laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: FL

Complaint narrative:
requested debt validation, also requested to delete this account due to not being 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 explanation
Consumer complaint received 2025-05-07 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: IN

Complaint narrative:
Theres an account showing up on my credit report that does not belong to me. Its clearly been mixed with my information, and I need it removed immediately. This is someone elses accountplain and simple. Ive never opened it, never authorized it, and have nothing to do with it. Its damaging my credit, and it has no business being tied to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/year> -- {$6100.00}

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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
AUTO COLLECTION REPORTED ON MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE. I HAVE DISPUTED THIS ITEM SINCE XX/XX/scrub> 2025 WITH NO RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I called for an economic hardship payment or program. They said they have 3 skip payments over the lifetime of the loan. They said in order to enroll me into the program I would need to pay a partial payment. At the time of the call I didnt have it. So I borrowed it from a family member after I hung up. I made the partial payment online because I was on hold last night to speak to someone for awhile when I tried to call back. Today I called and they said they would not enroll me into the program because I have to make the payment over the phone. I dont see the difference, a partial payment was made! The supervisor said she would see what she could do, she came back and said Id need to make a partial payment, AT THAT POINT THE PAYMENT IS PAID IN FULL! I dont have another {$66.00}. I have a ruptured disk in my neck and I have lost 6 weeks of work. I currently have {$2.00} in my account and the other one is overdrafted. The economic hardship program is not set in place in the consumers favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect outdated information and stolen identity

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 2025-05-07 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: NJ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear Portfolio Reporting Association ,

I am writing in response to your communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt. Please provide the following information : Proof that I owe this debt ( original creditors name, account number, and a copy of the signed agreement ). A detailed breakdown of the amount owed, includin
g interest, fees, and payments credited.

Verification that your company is legally authorized to collect this debt in Texas. The date of the last payment. Until you provide this documentation, I dispute this debt and request that you : Cease all collection efforts by
reporting this to the credit bureaus Update my credit report to reflect this dispute.

Confirm in writing if this debt has been sold or transferred.

If you fail to validate this debt within 30 days, I expect all collection activities to stop, and the debt to be removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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. 

XXXX  # XXXX XX/XX/XXXX -- {$2400.00} XXXX XXXX XXXX XX/XX/XXXX -- {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXXXXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXXXXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXXXXXX XXXX  XXXX - XX/XX/XXXX 6. 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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Sunbit, Inc.
State: MI

Complaint narrative:
I am submitting this formal complaint regarding XXXX/SUNBIT and its failure to accurately report two accounts appearing under my credit profile : Account # XXXX Account # XXXX Despite these accounts having {$0.00} balances and being paid in full, XXXX/SUNBIT continues to report derogatory payment history and past due status. This inaccurate and outdated reporting contradicts not only the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy, but also XXXX XXXX data reporting standards required for all furnishers. 

Additionally, I made written requests to XXXX/SUNBIT demanding : A method of verification for the tradeline data Documentation substantiating the original agreement, payment history, and current balance Confirmation of compliance with XXXX XXXX and XXXX guidelines , including XXXX sections relating to closed accounts and accurate status codes XXXX/SUNBIT failed to respond with the required verifications or to take corrective action. They did not update or remove the accounts within the required 30-day period per 15 U.S.C. 1681i ( a ) ( 1 ) and failed to notify me of the investigation results per 15 U.S.C. 1681i ( a ) ( 6 ). 

The ongoing publication of this informationdespite my dispute and supporting documentationconstitutes a willful violation of federal law and is materially harmful to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute and report a fraudulent auto loan that appears on my credit report and/or account under the reference number listed above. I did not apply for this loan, nor did I authorize anyone to do so on my behalf. 

Upon reviewing my credit report and financial records, I discovered that an auto loan was taken out in my name without my knowledge or consent. I believe I am a victim of identity theft. This account is fraudulent and should be investigated and removed immediately from my records.

Please consider this letter a formal request to : 1. Investigate the origin of this auto loan.

2. Provide all documentation and applications related to the loan.

3. Remove this fraudulent account from my credit report ( if applicable ).

4. Confirm in writing that you have taken the necessary steps to resolve this matter. 

Enclosed are copies of supporting documents, including : A copy of my government-issued ID A recent utility bill A copy of the relevant credit report showing the fraudulent account. FTC Identity Theft Report, if available Please acknowledge receipt of this letter and respond within 30 days as required under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved promptly, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or take legal action. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I am writing to formally dispute and report a fraudulent auto loan that appears on my credit report and/or account under the reference number listed above. I did not apply for this loan, nor did I authorize anyone to do so on my behalf. 

Upon reviewing my credit report and financial records, I discovered that an auto loan was taken out in my name without my knowledge or consent. I believe I am a victim of identity theft. This account is fraudulent and should be investigated and removed immediately from my records.

Please consider this letter a formal request to : 1. Investigate the origin of this auto loan.

2. Provide all documentation and applications related to the loan.

3. Remove this fraudulent account from my credit report ( if applicable ).

4. Confirm in writing that you have taken the necessary steps to resolve this matter. 

Enclosed are copies of supporting documents, including : A copy of my government-issued ID A recent utility bill A copy of the relevant credit report showing the fraudulent account. FTC Identity Theft Report, if available Please acknowledge receipt of this letter and respond within 30 days as required under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved promptly, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or take legal action. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I am writing to formally dispute and report a fraudulent auto loan that appears on my credit report and/or account under the reference number listed above. I did not apply for this loan, nor did I authorize anyone to do so on my behalf. 

Upon reviewing my credit report and financial records, I discovered that an auto loan was taken out in my name without my knowledge or consent. I believe I am a victim of identity theft. This account is fraudulent and should be investigated and removed immediately from my records.

Please consider this letter a formal request to : 1. Investigate the origin of this auto loan.

2. Provide all documentation and applications related to the loan.

3. Remove this fraudulent account from my credit report ( if applicable ).

4. Confirm in writing that you have taken the necessary steps to resolve this matter. 

Enclosed are copies of supporting documents, including : A copy of my government-issued ID A recent utility bill A copy of the relevant credit report showing the fraudulent account. FTC Identity Theft Report, if available Please acknowledge receipt of this letter and respond within 30 days as required under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved promptly, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or take legal action. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$430.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5200.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5500.00} Date Opened : XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation