vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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 am writing to formally notify you that I am a victim of a data breach and to exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), regarding the blocking of fraudulent information from my credit file. 
Fraudulent Account Information : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX Creditor Name : XXXX & XXXX Original XXXX XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$680.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX Creditor Name : XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$470.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX XXXX  Creditor Name : XXXX. XXXX XXXX Original Creditor : XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$360.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$930.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2 ( a ), I hereby request that you block and delete from my credit report all information that I identify as resulting from identity theft or fraudulent activity. I am enclosing the following documents in support of this request : 1. A copy of a government-issued photo ID ( e.g., drivers license ) 2. Proof of address ( e.g., utility bill, bank statement ) 3. A copy of the identity theft report I filed with [ name of law enforcement agency or FTC ] 4. A list of the fraudulent accounts or items I believe are the result of the data breach Please take immediate action to ensure that these accounts are blocked from my file and that no future reporting of the fraudulent information occurs. Also, I request written confirmation once the information has been deleted from my file. 
Should you require any additional documentation or information, please contact me in writing at the above address or via email. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 am writing to formally notify you that I am a victim of a data breach and to exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), regarding the blocking of fraudulent information from my credit file. 
Fraudulent Account Information : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX Creditor Name : XXXX & XXXX Original XXXX XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$680.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX Creditor Name : XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$470.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX XXXX  Creditor Name : XXXX. XXXX XXXX Original Creditor : XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$360.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Type : Collection/Chargeoff Balance Owed : {$930.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2 ( a ), I hereby request that you block and delete from my credit report all information that I identify as resulting from identity theft or fraudulent activity. I am enclosing the following documents in support of this request : 1. A copy of a government-issued photo ID ( e.g., drivers license ) 2. Proof of address ( e.g., utility bill, bank statement ) 3. A copy of the identity theft report I filed with [ name of law enforcement agency or FTC ] 4. A list of the fraudulent accounts or items I believe are the result of the data breach Please take immediate action to ensure that these accounts are blocked from my file and that no future reporting of the fraudulent information occurs. Also, I request written confirmation once the information has been deleted from my file. 
Should you require any additional documentation or information, please contact me in writing at the above address or via email. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report, please remove these accounts from my report .They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: RI

Complaint narrative:
Dear PRA/CFPB : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-24 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: GA

Complaint narrative:
The reported record is at odds with my consistent payment practices and appears mistaken. I respectfully ask for its deletion after verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: DC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of the collection account ( s ) currently reported on my credit file. I believe these accounts to be erroneous, unverifiable, or misleading and request an immediate investigation into this matter.

I have reviewed my credit report thoroughly and have found that the collection account ( s ) in question do
not reflect accurate information as required by law. Under FCRA Section 611, credit reporting agencies and furnishers of information are required to investigate disputes and correct or delete any information that can not be verified within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Some collection accounts on my credit report appear to contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fully accurate. I am formally requesting that these accounts be investigated, and if their accuracy can not be confirmed, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had XXXX credit card accounts with Chase. In early XXXX, Chase closed all of the accounts and provided a nonsensical reason ( too many requests for credit, I didn't request any credit ). This occurred within a couple of weeks of them charging me an annual fee on two of the cards. They charged the annual fee and then closed the account. On one of the accounts, they then proceeded to charge a late fee and interest for the only remaining balance on the card, which was the annual fee. I then had to jump through hoops to get all of these fees refunded and was told many times along the way that annual fees could not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
XXXX AND SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX AND SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: AL

Complaint narrative:
I recently pulled my credit report and saw late-payment codes on my federal student-loan account with DEPT OF EDUCATION/XXXX  ( Account XXXX XXXX XXXX ). These entries show XXXX late payments on XXXX - XXXX, 2025, even though my loan was in an authorized deferment/forbearance or under a CARES-Act payment suspension at the time. Under Department of Education regulations, lenders can not report a payment as late during deferment or forbearance. The CFPB has also explained that if a borrower receives a XXXX accommodation, the servicer must report the account as current and can not show it as more delinquent. Reporting me as late violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Furnishers must not report information they know or have reason to believe is inaccurate. Credit bureaus must reinvestigate disputes and delete unverifiable or inaccurate information within 30days. Reporting my account as late during a deferment/CARES Act suspension misrepresents the legal status of the debt and violates FDCPA 807l. I sent certified dispute letters to [ Bureaus ] demanding deletion, but they either failed to respond or verified the late payments without providing documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc.
State: KY

Complaint narrative:
They call every single day, 365 days a year. Some have been before XXXX XXXX XXXXXXXX. But Ive already told them I will pay it back when I can, and Ive notified them of my financial situation. They still continue to call, every day which violates the XXXX in XXXX rule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account NumbeXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I closed my Capitol One account with full payment. There was no overdue balance or amount owed in account at the time of closing. Account in my credit report currently shows as a negative charge off which I would now like removed as it has been on my account for 7 years and is able to be removed within 7 years. 
I have filed a dispute as well with transunion regarding this issue and incorrect reporting.

Please respond within the correct guidelines of laws : 15 USC 1681i ( a ) 15 USC 1681i ( a ) 5 ( b ) 15 USC 1681 ( c ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation