vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the fraudulent accounts reported in my credit file, which are inaccurate, unauthorized, and unlawful. I have no connection with these accounts, nor did I provide any consent for them to be opened or reported. Their inclusion constitutes a serious error that has unfairly damaged my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 To Whom It May Concern : This letter serves as a formal dispute regarding inaccurate and unveriable information on my credit report. Despite multiple attempts matter, Experian, Transunion, and Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations The disputed account ( s ) include : XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Reported as derogatory/collection, balance {$3200.00}. 
XXXX. XXXX Acct # XXXXXXXX XXXX XXXX Reported as derogatory/charged off, balance {$2400.00}. 
XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Reported as derogatory/charged off, balance {$4800.00}. 
XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Reported as derogatory/charged off, balance {$420.00}. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX Collection account, balance {$1900.00}. 


Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unveriable information blocked from my credit report proper notice. 
Additionally, the CFPB has documented Experians, Transunion 's, and Equifax 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including police reports, identity theft adavits, account statement, dispute correspondence, and more. 
* * DEMAND FOR RESOLUTION * * I demand the immediate deletion or correction of the inaccurate account ( s ) listed above. Please conduct a reasonable investigation, and send conrmation of the results within XXXX  days. 
Sincerely,

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint under the authority of the Consumer Financial Protection Bureau regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My consumer rights are being willfully ignored as my credit file contains false addresses, incorrect late payment reporting, unverified collection accounts, and unauthorized inquiries that were made without my consent. These errors are severely damaging my financial reputation, causing me stress, denial of credit opportunities, and reputational harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This wrong address is causing ongoing damage to my credit file. The FCRA requires accuracy and completeness ; this address is neither. Continued reporting of this address is unacceptable and must be removed without delay. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I dispute this address as completely false. I have never lived there and this inclusion is not only misleading but also a potential violation of privacy and security. It must be deleted in full. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$8200.00} Date Opened : XX/XX/XXXX Late Payment I dispute the claim of late payments. I have no knowledge of ever being delinquent on this account. Unless you can provide signed, verifiable, and dated records proving a late payment, this reporting is inaccurate and must be corrected. 
XXXX XXXX XXXX XXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payments are inaccurate and defamatory. I have no recollection of being late. Continued reporting without validation is unlawful under FCRA 611 ( a ) and 623 ( b ). You must correct the payment history immediately. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX Collection I dispute this collection account. I have no contract, no agreement, and no relationship with this collector. Under FDCPA Section 809 ( a ), you must provide validation of this debt. Without a valid contract and proof of ownership, this entry is unverified and must be deleted immediately. 
These repeated violations of my consumer rights are unacceptable. I am demanding that CFPB investigate these matters and compel the credit reporting agencies and furnishers to correct, remove, or delete all inaccurate, unverifiable, and unauthorized items. 
The continued reporting of false addresses, unverified late payments, unlawful collections, and unauthorized inquiries is in direct violation of FCRA Sections 602, 604, 607, 609, 611, 623 and FDCPA Section 809 ( a ). These actions have caused me ongoing financial and emotional harm. 
I respectfully request that the CFPB take immediate action to hold these entities accountable and require full correction of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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 here to file this CFPB Complaint to report nine separate accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of a data breach. These accounts include : 1. A personal credit account opened a XXXX  on XXXX under the account number XXXX in the amount of {$540.00}. 2. A personal credit card account opened at XXXX on XXXX under the account number XXXX in the amount of {$980.00}. 3. A personal credit opened at XXXX XXXX on XXXX under the account number XXXX in the amount of {$500.00}. 4. A personal credit opened at XXXX on XXXX under the account number XXXX in the amount of {$280.00}. 5. A personal credit card account XXXX XXXX on XXXX under the account number XXXX in the amount of {$2300.00}. XXXX. A personal credit account opened at XXXX XXXX on XXXX under the account number XXXX in the amount of {$500.00}. XXXX. A personal credit account opened at XXXX  XXXX on XXXX under the account nimber XXXX in the amount of {$510.00}. XXXX. A personal credit account opened at XXXX on XXXX under the account number XXXX in the amount of {$280.00}. XXXX. A personal credit account opened at XXXX XXXX XXXX on XXXX under the account number XXXX in the amount of {$870.00}. None of these accounts should be on my consumer credit report. These nine accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-09-26 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I made a complaint with you guys cause paypal kept denying my dispute since you reached out to them they closed my account and denied my appeal

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 2025-09-26 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: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by 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 2025-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am filing this updated complaint because XXXX has reassigned the same disputed debt that was previously removed from my credit report by XXXXXXXX XXXX XXXXXXXX ( CFPB Case Response dated XX/XX/year> ) to another collection agency, Credence Resource Management. 

This action is improper, retaliatory, and unlawful for the following reasons : 1. Debt Recycling/ Re-Aging In its XX/XX/year> response, XXXX XXXX XXXX confirmed that it had : ( 1 ) ceased collection efforts, ( 2 ) closed its file, and ( 3 ) instructed all credit bureaus to remove the tradeline. They took this step because the debt was inaccurate, improperly calculated, and harmful to me as a consumer.

Despite that, XXXX has now placed the same account with Credence Resource Management , which has reported it again to the credit bureaus. This is classic debt re-aging and recycling, prohibited under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ), which bar furnishing false or misleading information and reintroducing a withdrawn or disputed debt.

2. Active Dispute - Collections Should Have Stopped This account remains under active dispute before both the FCC ( Complaint No. XXXX ) and the CFPB. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the FDCPA, it is unlawful for a creditor to assign, report, or pursue collections while a billing dispute is pending. XXXX is knowingly ignoring this by sending the same account to Credence after XXXX XXXX XXXXXXXX already closed it. 

3. Proof of Invalid Debt The documents XXXX XXXX XXXX previously submitted prove the underlying debt is not valid : XXXX listed three different final balances : {$900.00} ( XX/XX/year> ), {$590.00} ( XX/XX/year> ), and {$530.00} ( XX/XX/year> ). 
XXXX billed repeated {$12.00} reactivation fees up to 15 times in a single cycle, charges it had already credited back in prior months after admitting they were improper.

Notices were sent to my old address, despite my documented repeated attempts to update my contact information.

These inconsistencies, duplicative fees, and notification failures prove the debt was never valid. Recycling it through Credence Resource Management is simply an attempt to launder a defective account through a new collector. 

4. Ongoing Retaliation This reassignment occurred after I filed multiple complaints with the FCC and CFPB. XXXX executive representatives even told me directly : If you keep filing reports, it will all come back to me and nothing will change. Now, they have reassigned the same debt to another agency, escalating harassment and punishing me for exercising my legal rights. This is retaliation, in violation of 15 U.S.C. 1666h.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: MD

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

1681c2 ) that you, the Equifax 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 : 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 US 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Climb Credit Inc.
State: LA

Complaint narrative:
the company has created 2 loans for the same service. they funded them both as well. i spoke to them 7 weeks in advance telling them to cancel the loan without the co borrower. the did nothing and want to take no responsibility. they say contact the school for a refund at this time. i tolf them i can not pay both loans and i dont even have the service for them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XX/XX/year> Chase Bank location XXXX, TX shut down my business account XXXX XXXX XXXXXXXX  under the suspicion of fraud and had no evidence! I received payment of {$24000.00} and they shut my account down without valid cause the bank that sent the funds reached out to them and didn't not document the call for verification purposes of legitimacy and I called 3 time to the back office and Chase branches and received the run around like no one knows who to talk to resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I wrote to Equifax credit agency, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and asked them to remove the bankruptcy from my credit report. I called XXXX  and they took it off the same day. Equifax basically told me they can keep it on as long as they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 explanation
Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-26 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Received a phone call from the debt collection agency on Monday, XX/XX/year>. At that time I verified my address and advised the agency of a cease and desist and to no longer contact me except through the address I verified. I also alerted the agent I had not received a letter of intent to collect from this agency and was not provided the 30 days to dispute the collection as required by law. The agent said okay and hung up the call.

I just received a text from this agency today, Friday XX/XX/year> indicating intent to pursue collections against me. This is in direct violation of the law as I still have not received any written communication from this agency through the mail and had requested a cease and desist. As I have not received a letter from this company, I was not able to write a letter requesting a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
Im not affiliated with these accounts, and I believe they are fraudulent. Kindly investigate and eliminate them from my credit profile. Documents are enclosed.

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