vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I am writing to share my experience as a victim of identity theft due to the Equifax data breach my personal information has been compromised and is being used without my permission. I have been facing ongoing challenges due to this negative unauthorized, unverified accounts that are impacted my credit score Please check the information concerning Equifax data breach below and attachments, As a victim I urge the CFPB to continue strengthening protections, improve transparency and hold responsible parties accountable please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a call from someone who said he was from Chase Bank who asked if I had tried to open a Chase credit card. He said the person had my personal info and was in XXXX, Arizona, somewhere he knew I wasn't. I said no I hadn't and said no several times to questions about giving away my info. He then transferred me to what he said was the fraud department where I was asked the same questions. Then he asked if I had used my XXXX card, XXXX XXXX, and XXXX. I said I don't have any except a closed XXXX. Then he asked for my XXXX number which got me suspicious. I hung up. I'm very concerned since the caller ( s ) had my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been trying to log into Experian. It takes me through the whole reset password process and then takes me to an error screen. I called twice and the automated system wont help me and tells me they cant connect me to a live person representative. 

Im trying to do my student loans and scared about possible identity tampering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX TransUnion CREDIT REPORTING AGENCY XXXX XXXX XXXXXXXX XXXX, PA XXXX Dispute of Unauthorized Hard Credit Inquiries Under the FCRA To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 ( a ), 609 ( a ), and 611 ( a ), I am exercising my right to dispute multiple hard inquiries listed on my Transunion credit report, which I did not authorize. 
The inquiries in question are : 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 XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entities are unknown to me, and I have not applied for credit with them directly. Therefore, I believe these inquiries may have been made in error or without a valid permissible purpose as required under FCRA Section 604 ( a ).

I request the following actions : 1. A full investigation into each of the above inquiries ; 2. The removal of any inquiry that can not be verified as authorized by me ; 3. A written statement of the outcome of your investigation ; 4. An updated credit report reflecting any necessary corrections.

In accordance with FCRA Section 609 ( a ) ( 1 ), I also request full disclosure of the sources of these inquiries and copies of any documentation that supports their validity.

I have enclosed a copy of my government-issued ID and proof of address for identity verification. 
I appreciate your prompt attention to this matter and expect a resolution within the timeframe provided by law ( 30 days ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I am writing to report an issue I experienced with a debt collector SOUTHWEST CREDIT SYSTEMS I was contacted by regarding a debt they claim I owe. During the interaction, they were aggressive, did not provide validation of the debt, contacted me at inappropriate times, etc. ]. 

Despite my requests for clarification and validation of the debt, actions taken by the collector that were inappropriate or against the Fair Debt Collection Practices Act ]. This experience has caused me significant stress and confusion regarding my financial obligations. 

I would like to request that the CFPB investigate this matter and take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
There was an auto loan opened in my name as a co-signer through USAA. I did not authorize this my ex-wife ( XXXX  in XXXX ) was able to access my account. I have not banked with USAA in over 9 years. She was able to open and bank account where she deposited fraudulent checks and auto loan all without any proof of identification. The auto loan was applied for on XX/XX/XXXX and approved for the amount of {$12000.00}. The band account with the fraud checks was opened around XX/XX/XXXX and totaled {$5300.00} in bounced checks. The addresses associated with these two accounts are Texas addresses, and I currently stay in Florida. I filed police reports and contacted the bank they closed the accounts due to fraud but are telling me that I still am responsible for the remaining balances. I sent them the police reports, divorce decree, proof of current address, and other supporting documents. All this has hit my credit and lowered it, does not help that the accounts are delinquent. I don't understand how I can be responsible for this when they never even confirmed my identity. They just handed out the loan and account after 9 years of no involvement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S.

law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX  Account number : XXXX ( All three bureaus ) XXXXXXXX XXXX XXXX XXXX Account number : XXXX ( All three bureaus ) XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX ( All three bureaus ) -XXXX XXXX XXXX Account number XXXX XXXX XXXX All three bureaus ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. My identity theft affidavit is fully valid, and Experians refusal to investigate and block the fraudulent accounts is unlawful.

I demand that these fraudulent accounts be manually reviewed and deleted from my credit reports. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S.

law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX  Account number : XXXX ( All three bureaus ) XXXXXXXX XXXX XXXX XXXX Account number : XXXX ( All three bureaus ) XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX ( All three bureaus ) -XXXX XXXX XXXX Account number XXXX XXXX XXXX All three bureaus ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. My identity theft affidavit is fully valid, and Experians refusal to investigate and block the fraudulent accounts is unlawful.

I demand that these fraudulent accounts be manually reviewed and deleted from my credit reports. 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 non-monetary relief
Consumer complaint received 2025-07-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is a follow up to my complaint XXXX that was closed but has not been completely resolved. I left feedback on the resolution the Company provided but am not sure if the feedback comments will result in further action required to confirm the monetary relief amount of {$190.00} has been processed correctly. As of XX/XX/year> I have not received the payment to my XXXX  XXXX XXXX account as noted in the Company 's response. I noted on the XXXX credit card e-bill ( that I am still receiving incorrectly } an adjustment of {$190.00} was processed on XX/XX/year> but I have not received the reimbursement. Please confirm when I will receive the reimbursement. 

In addition, XXXX  XXXX XXXX sent me a notification on XX/XX/XXXX. XXXX  that XXXX XXXX updated the e-billing on my bank account with a new XXXXXXXX XXXX XXXX  account number XXXX issued to XXXX XXXX. This is not the correct instruction XXXXXXXX XXXX XXXX should have sent to XXXX  XXXX XXXX ; XXXX  should have instructed XXXX to delete the e-billing. It also indicates that the XXXXXXXX XXXX XXXX  database still has my bank account linked to XXXX XXXX credit card account. I am able to delete the e-bill from my XXXX  account but XXXX XXXX should not have transferred e-bill information to the new account. 

I am attaching XXXX XXXX response to prior complaint and notices and XXXX e-bill I received from XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I made a purchase through XXXX using Acima Leasing. It stated what my payments would be and the duration of the loan. However, it was not disclosed that a {$25.00} Non Sufficient Fee charge would be applied if my debit card was declined. Acima Leasing is charging my card on random days and dates without any notification, and then when it is declined, it is then charging me a {$25.00} non sufficient fund fee. However, they do not accept checking accounts as a payment method. I have never been charged by a bank or loan company for using my debit card and my debit card being declined. This has cost me over {$400.00} in fees alone. 

These fees should have been disclosed easier, but also, Acima is attempting to charge my card multiple days in a row and then charging me this fee multiple times, all the while not even informing me they are about to charge my card. Costing me fees from a charge I did not authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief