vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX  XXXX - Balance : {$120.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-06-12 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: OH

Complaint narrative:
i am filling a complaint regarding several inaccurate and potentially fraudulent accounts reporting on my credit report. i have disputed these accounts multiple times and each time only received a generic response stating that they were " verified '' without being provided any supporting documentation, signed agreements or evidence of authorization like i have requested multiple times! The following accounts are in question and potentially fraudulent : XXXX XXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXX XXXX XXXXXXXX balance XXXX opened XX/XX/XXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXXXXXX balance $ XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX balance $ XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXX Under the FRCA specifically 15 U.S.C . 1681i, I have the right to a reasonable investigation and to be provided with documentation used to verify each account. If noone can supply a signed verifiable contract or document linking me to these accounts they have to be deleted by law! PLEASE INVESTIGATE THIS MATTER AND INSURE COMPLIANCE WITH THE FRCA. I EXPECT EITHER FULL DOCUMENTATION FOR EACH LISTED ACCOUNT OR IMMEDIATE DELETION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
i am filling a complaint regarding several inaccurate and potentially fraudulent accounts reporting on my credit report. i have disputed these accounts multiple times and each time only received a generic response stating that they were " verified '' without being provided any supporting documentation, signed agreements or evidence of authorization like i have requested multiple times! The following accounts are in question and potentially fraudulent : XXXX XXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXX XXXX XXXXXXXX balance XXXX opened XX/XX/XXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXXXXXX balance $ XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX balance $ XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXX Under the FRCA specifically 15 U.S.C . 1681i, I have the right to a reasonable investigation and to be provided with documentation used to verify each account. If noone can supply a signed verifiable contract or document linking me to these accounts they have to be deleted by law! PLEASE INVESTIGATE THIS MATTER AND INSURE COMPLIANCE WITH THE FRCA. I EXPECT EITHER FULL DOCUMENTATION FOR EACH LISTED ACCOUNT OR IMMEDIATE DELETION.

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 2025-06-12 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: OH

Complaint narrative:
XXXX dont recognize anything... I DIDNT AUTHORIZE CREDIT REPORTING AGENCY OR ANYBODY TO LOOK INTO, MY CREDIT WORTHINESS, OFCOURSE I AM...'

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 2025-06-12 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: OH

Complaint narrative:
XXXX dont recognize anything... I DIDNT AUTHORIZE CREDIT REPORTING AGENCY OR ANYBODY TO LOOK INTO, MY CREDIT WORTHINESS, OFCOURSE I AM...'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XXXX  I am disputing an unauthorized and fraudulent contract.\n\n The dealership misrepresented terms, concealed the contract during signing, and failed to verify my identity properly.\n\n The car was listed for XXXX.  The contract that they sent me states that the cars listing price was over XXXX.  (I have the screenshots of the original car listing price showing XXXX)\n\n I *never* provided a full signature or proper authentication. (And, who would sign a contract with these numbers that add up to over XXXX  over the 23% interest rates!)\n\n When I asked the lender to send me a copy of my contract, they sent me something that I never signed or agreed to.  \n\nPlus, there is no fully authorized or authentic  signature. \n\n They have ruined my credit, stating that I have never made a payment.  I have made close to XXXX in car payments within the 18 month window that I had the car within my possession.  \n\n If I had signed that contract, it would have been:XXXX mo. payments over 66 months.  (66 months or 5 1/2 years)\n\n At the monthly rate of XXXX  that I was forced to pay, my contract should have stated that I would have that car paid off in fulll in less than 36 months (36 months of 3 years)\n\n\nWhat this company is doing is ridiculously illegal! \nTheyve been sued for over XXXX XXXX dollars in other states, like California.  \n\nPlease take off all dings from my credit report.  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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Kikoff Inc.
State: NJ

Complaint narrative:
Kikoff accounts are often reported as a credit line closing it may slightly affect your credit score.

If youre trying to remove it from your credit report, say so clearly in your email.

Would you like me to write a personalized email or letter for you to send

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of fraud/identity theft in XX/XX/year>. I tried to to contact JP Morgan Chase XXXX Department, but the reps were very rude to me, and would not give me the email address to upload documents, to prove that I was a victim of fraud/identity theft. The checking account was restricted, so that no funds would go out, and that no funds or direct deposits could come in. If an account is restricted, a Social Security XXXX direct deposit, should be sent back to the Treasury Department, to be re-deposited, into another account, or a paper check is re-issued. My XXXX XXXX deposit, in the amount of {$2300.00}, should have been kicked back to the Treasury Department, so that Social Security, can re-deposit the funds into another account, or issue a paper check. When an account is restricted, the bank should not receive direct deposits, and send the funds back to the Treasury Department, and back to Social Security. That is a violation of XXXX law, as I was told by the reps in the XXXX, CA. Social Security XXXX!! I have already filed a complaint with the BBB in the XXXX XXXX, DE. office, regarding this matter. I have uploaded a copy of the XXXX FBI report, as well as all of the other documents, related to this case. Chase did violate federal law, by not sending back the XXXX direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX my card was charged at a car dealership .. my mom recently got a new car .. shes the only person that knows my information and would do something like this .. she was supposed to pick it up and bring it to me and used it without my permission.. I got that credit card to pay some bills for this month and unable to now because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Someone stole my credit card and made a unauthorized charge on it. I've been disputing this issue for months.i made all types of reports and they are still charging me

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 2025-06-12 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: CA

Complaint narrative:
Date : XX/XX/year>XXXX  To : Equifax Subject : Formal Dispute Request for Permanent Deletion of Charged-Off Account Creditor : XXXX  XXXX Balance : {$39000.00} Status : Charged-Off Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and continued reporting of a charged-off account listed under XXXX  XXXX with a balance of {$39000.00}, currently appearing on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information included in consumer credit files. This charged-off account raises serious questions regarding its validity and compliance with this provision.

Additionally, under 31 U.S.C. 5118, which governs the discharge and satisfaction of monetary obligations, any alleged debt that lacks lawful origination or contractual evidence tied directly to me should not be enforceable or reportable.

I am demanding a reinvestigation of this account and requesting that it be : Permanently deleted from my credit report if it can not be verified with complete, accurate, and original documentation ; Blocked from future reinsertion unless verified under strict compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ; Accompanied by written confirmation detailing the results of your reinvestigation and any changes made to my file.

This account is currently damaging my credit profile and may be in violation of federal consumer protection laws. I expect prompt resolution within the 30-day window mandated by the FCRA. Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulators.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
From approximately XX/XX/XXXX to XX/XX/XXXX of XXXX  over {$20000.00} of XXXX and XXXX tickets were charged to my credit card. I've never done business with either one of these companies and I've never given them my credit card information. I reported these fraudulent charges on XX/XX/XXXX to Capital One credit card. At that time they took the charges off but then about a week or so later they put them back on saying that there was insufficient evidence that they were fraudulent charges. I have filed with the FTC and I've sent Capital One registered letters. I've also filed with the local police trying to get these charges removed. It's starting to look like I'm going to have to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I am writing to formally dispute certain inaccurate and fraudulent items currently reported on my credit file due to identity theft. I did not authorize or open the accounts in question, nor was I responsible for the charges or late payments associated with them. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be the result of identity theft. The following items on my credit report are fraudulent and must be removed immediately : I demand that these fraudulent items be removed from my credit report as soon as possible. Please also block any further reporting or collection activity related to these accounts under section 605B of the 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 explanation
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I am writing to formally dispute certain inaccurate and fraudulent items currently reported on my credit file due to identity theft. I did not authorize or open the accounts in question, nor was I responsible for the charges or late payments associated with them. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be the result of identity theft. The following items on my credit report are fraudulent and must be removed immediately : I demand that these fraudulent items be removed from my credit report as soon as possible. Please also block any further reporting or collection activity related to these accounts under section 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$440.00} - Account # : XXXX XXXX XXXX  - Balance : {$620.00} - Account # : XXXX XXXX XXXX - XXXX : {$42.00} - Account # : XXXXXXXX XXXX XXXX XXXX  - Balance : {$1000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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