vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XXXX I had moved back to California and was homeless at the time going back and forward to homes but I tried to get assistance from the humans resource and was brought to my attention that my social security number indeed was used to gain unemployment benefits but a year before this i had lost my social security card and birth certificate while trying to sign back up for school so I had no way to use my social since then nor have I had a physical social security card to know my numbers since around that time. I reported it to the fraud both through XXXX and the XXXX XXXX Administration but did not hear back from either with furthermore instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. The inquiry was not authorized WORLDACCEP Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
There's two account with small balances Kikoff has a {$5.00} payment was told to cancel but does not have my cancel request. 
Kikoff never reply with a letter that they are reporting my account and violation of laws of CFPB. 

XXXX XXXX I had fraud one account notified them they cancel the account told me I'm not at fault in 2021. Gave me another card I called and cancel the 2nd account and they didn't. Never let me also they were reporting me to credit Bureau. I've disputes both accounts for 6months on XXXX no results. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. XXXX XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I had 2 credit card debts I wasnt able to upkeep on due to job loss. Ive been trying to contact certain credit card companies and was told both acounts were sold to debt collectors.

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 2025-09-09 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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. This fraudulent, inaccurate, and false information consists of 1. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-09-09 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: GA

Complaint narrative:
Identity Theft Victim - Equifax Data Breach Impact : Case No. XXXX Equifax, XXXX Consumer Relations Fraudulent Tradelines Resulting from Equifax Data Breach Notice of Legal Presumption of No Debt Pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. 
Despite months of documented disputes and compliance with all FCRA protocols, Equifax has willfully refused to remove demonstrably fraudulent accounts from my credit report. Federal courts in Georgia have consistently held credit reporting agencies to strict accountability standards : In XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the court awarded substantial damages where TransUnion failed to properly investigate identity theft disputes XXXX XXXX Equifax Information Services ( XXXX XXXX XXXX ) established that superficial investigations constitute willful non-compliance under XXXX XXXX XXXX XXXX  Information Solutions ( XXXX XXXX XXXX ) confirmed that repeated failures to remove fraudulent accounts after proper notice supports punitive damages Georgia courts have made clear that your pattern of non-compliance constitutes willful violation of federal law. The following fraudulent tradelines MUST BE PERMANENTLY DELETED within XXXX calendar days : XXXX. XXXX XXXX XXXX / Reference # XXXX/ XXXX : {$0.00}/ Filed : XX/XX/XXXX XXXX. XXXX XXXX XXXX / # XXXX / Balance : {$6900.00}/ Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX / Balance : {$240.00}/ Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX  / XXXX : {$7500.00}/ Opened : XX/XX/XXXX Your conduct constitutes both willful and negligent violations under the FCRA provisions :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
My Experian, XXXX, and Equifax credit reports dated XX/XX/XXXX show multiple XXXX  accounts that are being reported illegally. These accounts became delinquent in XXXX and were charged off in early XXXX. However, all three credit reporting agencies continue to show these XXXX accounts with past due balances and rolling XX/XX/XXXX day late notations into XXXX and XXXX. 
This is unlawful re-aging of accounts, strictly prohibited under FCRA 605 ( c ). Once an account is charged off, creditors and credit bureaus are not permitted to continue updating the account with new delinquencies or past due amounts. By doing so, XXXX, Experian, Equifax, and XXXX  are misrepresenting the true Date of First Delinquency and reporting information that is inaccurate and misleading. 
I previously disputed these accounts with all three credit bureaus. Instead of correcting or deleting the inaccurate information, the disputes were returned as verified, but the accounts were left reporting the same unlawful re-aged data. This violates FCRA 623 ( a ) ( 2 ), which requires furnishers and credit bureaus to cease reporting disputed information they can not verify accurately. 
Because I already disputed and the companies failed to correct, the law requires permanent deletion of these XXXX accounts. The continued reporting is harming me by unfairly lowering my credit score, misleading lenders, and creating an inaccurate credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
My XXXX, TransUnion, and XXXX credit reports dated XX/XX/XXXX show multiple XXXX  accounts that are being reported illegally. These accounts became delinquent in XXXX and were charged off in early XXXX. However, all three credit reporting agencies continue to show these XXXX accounts with past due balances and rolling XX/XX/XXXX day late notations into XXXX and XXXX. 
This is unlawful re-aging of accounts, strictly prohibited under FCRA XXXX ( c ). Once an account is charged off, creditors and credit bureaus are not permitted to continue updating the account with new delinquencies or past due amounts. By doing so, XXXX XXXX XXXX, and TransUnion are misrepresenting the true Date of First Delinquency and reporting information that is inaccurate and misleading. 
I previously disputed these accounts with all XXXX  credit bureaus. Instead of correcting or deleting the inaccurate information, the disputes were returned as verified, but the accounts were left reporting the same unlawful re-aged data. This violates FCRA XXXX ( a ) ( XXXX ), which requires furnishers and credit bureaus to cease reporting disputed information they can not verify accurately. 
Because I already disputed and the companies failed to correct, the law requires permanent deletion of these XXXX accounts. The continued reporting is harming me by unfairly lowering my credit score, misleading lenders, and creating an inaccurate credit history.

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 2025-09-09 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: CA

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of late payment account on my credit report which are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions und

er the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute re
garding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation.

Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. 
Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements .. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: TX

Complaint narrative:
My student loans were transferred from XXXX to CRI. I was under financial hardship and not required to make payments at the time. I was never notified of any required changes to my payment status. Despite this, CRI reported me as 60 days late in XXXX and XX/XX/year>, which caused a 60-point drop in my credit score. I believe this is an error either due to my hardship status or miscommunication during the servicer transfer and I am requesting a full investigation and correction. This is negatively impacting my ability to access credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
i am a victim of identity theft and would like all accounts associated removed within 5 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 non-monetary relief
Consumer complaint received 2025-09-09 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:
i am a victim of identity theft and would like all accounts associated removed within 5 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 2025-09-09 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: GA

Complaint narrative:
i am a victim of identity theft and would like all accounts associated removed within 5 days

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

Complaint narrative:
I requested a Method of Verification from a reinvestigation I filed with Experian and they did not provide the requested information. This is the XXXX time I asked for that information and they have not provided it. By FCRA 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) they must provide the method of verification to the consumer so Experian is willfully not abiding by 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
Consumer complaint received 2025-09-09 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:
Unauthorized accounts have been added to my credit report without my approval, and I was never notified. This is highly frustrating, especially since the bureaus are reporting different and inconsistent details about the same accounts.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing unauthorized charges that appeared on my Bank of America credit card account. I attempted to resolve this directly with the bank, but they refused to remove the charges. 
The charges in question were not authorized by me and do not represent valid transactions. I called customer service promptly to report the issue, but Bank of America did not conduct a fair investigation or provide me with a reasonable explanation. 
I am requesting that these charges be reversed in accordance with the Fair Credit Billing Act, and that Bank of America provide documentation supporting their position if they believe the charges are valid. 
I expect Bank of America to resolve this matter promptly, as these are clearly unauthorized charges, and I am prepared to involve regulators if necessary to protect my rights.

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 monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX Late Dates XX/XX/XXXX ; XXXX XXXX & XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA XXXX681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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