vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX, INC. account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am reporting a case of money order theft and forgery involving JPMorgan Chase Bank. 

I purchased two Chase money orders ( {$1000.00} each ) from the Chase branch at XXXX XXXX XXXX XXXX, XXXX, NY, on XX/XX/year>. The money orders were stolen and later cashed fraudulently by unknown persons on XX/XX/year>. 

I reported the incident to Chase and to the XXXX. Despite this, the bank has not provided any resolution or meaningful update for several weeks. 

I am requesting CFPB assistance to ensure that Chase completes the investigation and provides a fair resolution for the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
This company never even attempted to try and resolve this debt with me let alone proving that it was mine. It randomly showed up on my report. When I spoke with the agency handling the account the informed me of many mishaps and incorrect information and advised me to dispute this and it would definitely be removed. I let them know I would do so, and I would come back to that call and have it pulled if it wasnt and handle it either way legal team. I want them to thoroughly investigate as ai currently have a fraud alert on my credit file, so Im not even sure how that was opened or when. I want this to stop reporting until this is finished. Under 15 U.S.C. 1681 ( a ) ( 1 ), Congress has found that the banking system relies on fair and accurate credit reporting. Inaccurate reporting directly impairs the systems efficiency and undermines public confidence. Their failure to correct or investigate the disputed information violates these principles and other provisions of the FCRA. Despite my efforts, the inaccurate information remains on my credit report, causing financial harm, increased interest rates increased, and reputational harm. Until I receive the requested documentation, please cease all collection activities related to this disputed debt and mark this account as disputed in your records and in any communications with credit reporting agencies.

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 2025-11-22 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: TN

Complaint narrative:
I discovered multiple inaccuracies on my credit report, including accounts, addresses, names, and inquiries that I did not authorize, apply for, or recognize. These items are the direct result of inaccurate reporting and/or identity theft. I have never lived at the listed addresses, never used any other name besides my legal name XXXX XXXX, and never opened or signed for the accounts or inquiries being reported. The presence of these items has caused significant harm to my credit, reputation, and financial opportunities.

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 2025-11-22 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: LendingPoint Holdings LLC
State: MA

Complaint narrative:
When I was living in California, I took out a {$5300.00} loan from LendingPoint in XX/XX/XXXX with an interest rate of 20.37 %. Then I moved to the state of Massachusetts during XX/XX/XXXX for academic purposes. From XX/XX/XXXX to present, after making payments, I have not seen a significant decrease in my balance. My balance as of this month of XX/XX/XXXX is {$5000.00}. I called LendingPoint XX/XX/XXXX to negotiate a lower interest rate because I live in the state of MA and informed the customer service agent that it is illegal in MA to pay an interest rate of the amount that I am currently paying. The customer service agent stated that they don't negotiate interest rates. Right now, my current monthly payment is {$140.00}. 

Attached is the payment history. Feel free to let me know if you need additional information regarding the payments. Like if you need individual attachments for the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This formal complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that EXPERIAN immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within four ( 4 ) business days upon receipt of this request.

The following fraudulent collection accounts have been identified as unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$730.00}, XXXX  XXXX XXXXXXXX XXXX XXXX  BALANCE : {$4400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$0.00} XXXX XXXX XXXX XXXX XXXX  BALANCE : {$130.00} I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX and ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that EXPERIAN immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

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 2025-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am submitting a complaint against XXXX  for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX  has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized {$3900.00} credit card charge by XXXX for a vacation rental booking that I did not authorize or use. 

I reported the transaction to Chase immediately upon discovering it. My card was replaced due to suspected fraud. I also contacted XXXX XXXX XXXX, who confirmed that no one checked in or received any service under this reservation, and therefore no benefit was received. 

My XXXX account was later observed displaying another individual 's name ( XXXX XXXX ) and abnormal login behavior. Additionally, my browser showed a network security warning indicating compromised access. On the same day the booking was made, I notified XXXX and formally requested that they delete and secure my account due to unauthorized access. They did not respond or take any corrective action, despite having sufficient time to do so prior to the intended reservation dates. 

I supplied Chase with supporting documentation including evidence of account compromise, confirmation that the reservation was not used, screenshots of the unauthorized access and network security warning, and proof that no value was delivered. Despite this, Chase denied my fraud claim and is holding me financially responsible. 

Under the Fair Credit Billing Act, I should not be liable for a transaction that I did not authorize and from which I received no benefit. I am requesting that the CFPB require Chase to reverse this charge and cease any collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: MD

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

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 2025-11-22 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: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX reporting debt to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. I lived at XXXX XXXX XXXX XXXX XXXX not XXXX during the dates claimed. I am a XXXX XXXX  displaced with my daughter due to this inaccuracy. PD cases : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. All of my belongings were stolen from storage due to XXXX. RRS has a history of misreporting and providing no validation. This record is harming my ability to secure housing. Request deletion under FCRA XXXX, XXXX, XXXX. XXXX case preventing me from obtaining stable housing. XXXX known compliance problems XXXX XXXX  complaints in XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX reporting debt to XXXX XXXX, XXXX Early Warning, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I lived at XXXX XXXX XXXX XXXX XXXX not XXXX during the dates claimed. I am a XXXX XXXX displaced with my daughter due to this inaccuracy. PD cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of my belongings were stolen from storage due to XXXXXXXX XXXX has a history of misreporting and providing no validation. This record is harming my ability to secure housing. Request deletion under FCRA XXXX, XXXX, XXXX. XXXX case preventing me from obtaining stable housing. XXXX known compliance problems XXXX XXXX  complaints in XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: GA

Complaint narrative:
Company is reporting inaccurate information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
Company is trying to collect debt not owed. Sold to debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of XXXX XXXX. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA XXXX this information must be blocked until the investigation is complete. Since XXXX business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within XXXX business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. 

My family and I are moving across the country for a job, and I am having trouble being approved for a rental home, or a mortgage, because this is dragging down my credit a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I am filing a complaint regarding Credence Resource Management , LLC for misleading and inconsistent settlement information involving an XXXX XXXX XXXX collection account. 

On multiple phone calls with Credence representativesincluding supervisors and managersI was told the account could be settled for {$180.00}. This amount was presented clearly as the lowest acceptable settlement figure. 

However, when I requested written confirmation of this offer, XXXX sent an email stating they could not accept {$180.00} and instead required {$330.00}. This directly contradicts what multiple reps and supervisors told me over the phone. 

Misrepresenting or inaccurately stating settlement amounts is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting investigation and resolution, and I want Credence to honor the settlement amount they verbally stated multiple times. 

I have written records of the email communications, and Credence has recordings of the phone calls that will confirm what their staff said.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of XXXX XXXX I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This formal complaint is submitted pursuant to FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), requesting that EQUIFAX immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within XXXX ( XXXX ) business days upon receipt of this request. 

The following fraudulent collection accounts have been identified as unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX * * BALANCE : {$2200.00} XXXX XXXX XXXX XXXX XXXX * * BALANCE : {$1900.00} XXXX XXXX XXXX XXXX XXXX * * BALANCE : {$2200.00}, XXXX XXXX XXXX XXXX XXXX * * BALANCE : {$2200.00}, XXXX XXXX XXXX  XXXX XXXX * * BALANCE : {$1900.00}, I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX. ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that EQUIFAX immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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:
The Fair Credit Reporting Act ( XXXX U.SXXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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