vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally request detailed account information regarding an account that appears on my credit report and/or is currently being serviced by your agency. 

Account Information : Current Creditor / Debt Collector : Portfolio Recovery Associates Original Creditor : [ XXXX XXXX XXXX XXXX  ] Account Number ( Last Four Digits ) : XXXX Balance Reported : {$840.00} Date Opened ( per credit report ) : XX/XX/XXXX Status : Collection Account Credit Bureau Reporting Agency : [ XXXX XXXX XXXX ] This request is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 609 ( a ) ( 1 ) and Section 611 ( a ).

I am requesting the following documentation and information regarding the reporting and handling of this account : 1. The date of first delinquency on the original account 2. The date of the last payment made on the original account 3. The date the account was charged off ( if applicable ) 4. The date the account was sold or transferred to Portfolio Recovery Associates 5. The date the account was first reported to any credit bureau 6. Copies of any original agreements, signed documents, or records used to verify, service, collect, or report this debt Please respond to this request in writing only. I do not consent to communication by phone or email. This request is made for documentation and verification purposes, and I ask that all responses be mailed to the address listed above.

If no such documentation can be provided, I respectfully request the removal or correction of any inaccurate or unverifiable information in accordance with FCRA 611 ( a ).

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX Last 4 digits of XXXX : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I sent a XXXX payment to the wrong phone number. My boyfriend called me & asked me to XXXX his employee {$450.00}. I entered the name and number he gave me into my contacts so it was there to XXXX the person. The problem we noticed within minutes of sending the money through XXXX was that I sent it to the wrong number there the wrong person! I immediately trying calling the number only to be blocked within 15 min or so of trying to call and text this person. I called US Bank who then said they would do an investigation. I found out through mail & via my phone call to the Fraud Dept. That my claim was denied and therefore they said there is nothing they can do but finally submitted another claim after me crying on the phone to them. However, when I had the call escalated I was told It would likely get denied again and they couldnt help me further. I explained what a good customer I am with several accounts in good standing as well as 3 credit cards. I have also been with US Bank over 6 yrs. So I was shocked at the way they were treating me. The escalation Sup. Said she would send me a letter as to WHY they denied my claim.

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 2025-07-02 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: GA

Complaint narrative:
I have contacted Equifax, TransUnion, and Experian in regards to the FTC report I filed for three accounts that were reported on my account that I had absolutely no knowledge of and strongly believe it was identity theft, my information has been reported on the dark web multiple times in the past and accounts unknowing to me have came about due to so, I have reported and only got one thing resolved by Experian and they practically ignored the rest!

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 2025-07-02 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: GA

Complaint narrative:
I have contacted Equifax, TransUnion, and Experian in regards to the FTC report I filed for three accounts that were reported on my account that I had absolutely no knowledge of and strongly believe it was identity theft, my information has been reported on the dark web multiple times in the past and accounts unknowing to me have came about due to so, I have reported and only got one thing resolved by Experian and they practically ignored the rest!

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 2025-07-02 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:
I've identified some accounts on my credit report that are unfamiliar to me and were not authorized. These may have resulted from identity theft. Ive contacted you about this issue in the past and am now formally requesting that these accounts be deleted from my report as soon as possible. The stress caused by their presence is significant, especially since they dont reflect my financial habits or credit history. If we cant come to a resolution, Im willing to take legal action to protect my interests. These incorrect entries are standing in the way of major financial plans, such as homeownership and providing for my family. I hope this can be resolved without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the informaiton concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. In XX/XX/XXXX, I became aware that several fraudulent accounts and unauthorized credit inquiries had been opened in my name without my knowledge or consent. These accounts were not initiated by me and are the result of someone using my personal identifying information to impersonate me and apply for credit or services. 

I was affected by the Equifax data breach, which exposed my personal information to potential misuse. Since then, I have noticed a number of inaccurate and fraudulent items on my credit report. The following accounts were fraudulently opened and reported in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to the fraudulent accounts, there were multiple unauthorized hard credit inquiries made on my credit file by lenders and financial institutions I have never contacted or applied with. These include : 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  These fraudulent actions have significantly impacted my credit profile and caused undue stress and harm. I have never applied for credit with these companies, nor did I authorize these inquiries. 

To address this situation, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) under report number XXXX. I am also submitting this report along with proof of identity and proof of address to support my dispute. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting the immediate and permanent removal of these fraudulent accounts and inquiries from my credit report. This law provides that consumer reporting agencies must block all information resulting from identity theft once appropriate documentation is provided. 

I respectfully request that the CFPB assist in ensuring that these inaccurate and fraudulent items are fully removed and that my rights as an identity theft victim are upheld. 

Thank you for your 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 2025-07-02 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: NC

Complaint narrative:
I contacted Transunion, requesting that they would update my credit report and remove the comments off my report. I waited the XXXX XXXX as I was told it would take that long for it to be removed. It still hasnt been removed and its hindering me from getting a mortgage. I had a collection from fair collections and outsourcing for a little over {$2400.00}. I paid the debt and fair collections and outsourcing and reported it to all three agencies. TransUnion has failed to update the account to show paid in full also I requested for agency to remove any dispute comments off of that account and they still havent done it. I can not get a mortgage because my loan wont go through as long as theres any disputes in there and it has ruined my credit.

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 2025-07-02 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: NC

Complaint narrative:
I contacted Transunion, requesting that they would update my credit report and remove the comments off my report. I waited the XXXX XXXX as I was told it would take that long for it to be removed. It still hasnt been removed and its hindering me from getting a mortgage. I had a collection from fair collections and outsourcing for a little over {$2400.00}. I paid the debt and fair collections and outsourcing and reported it to all three agencies. TransUnion has failed to update the account to show paid in full also I requested for agency to remove any dispute comments off of that account and they still havent done it. I can not get a mortgage because my loan wont go through as long as theres any disputes in there and it has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
I have been a victim of fraud and of the equifax data breach. There are things that are showing up on my credit report that are not me.

PLEASE REMOVE THESE FRAUDULENT FROM MY CREDIT REPORT.

Hard Inquiries : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Student Loans : DEPT OF EDUCATIONXXXX Balance {$2300.00} Balance updated XX/XX/XXXX DEPT OF EDUCATIONXXXX Balance {$5600.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$2400.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$9100.00} Balance updated XX/XX/XXXX DEPT OF EDUCATIONXXXX Balance {$1800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$5500.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$22000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$22000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX  Balance {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK

Complaint narrative:
I asked Simmons Bank on XX/XX/XXXX about transaction amount XX/XX/XXXX for.credit card payment arrangement.I agreed to XXXX in XXXX and XXXX in XXXX of processing, I was told by rep about 30 years of imprisonment or fines

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 2025-07-02 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: NJ

Complaint narrative:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 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 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 XXXX Incorrect Personal 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 ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-02 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX this account is not mine Please remove this fraudulent account from my report THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
I recently reviewed a copy of my credit report and noticed a fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX this account is not mine Please remove this fraudulent account from my report THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am disputing a charge-off reported by Bridgecrest for XXXX XXXX XXXX XXXX ( Account # : XXXX ). The account is inaccurately reported as a charge-off. The creditor has not provided documentation validating the account, including original contract, transaction history, and ownership trail. I believe this violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Truth in Lending Act ( 15 U.S.C. 1601 ). I request deletion if full validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I recently applied for a mortgage and noticed that two collections appearing for XXXX XXXX collecting for a XXXX XXXX debt and XXXX XXXX collecting for a XXXX XXXX XXXX XXXX  debt. Both of these accounts are fraudulent accounts and a result of ID theft. I have filed a law enforcement report with my local sheriffs office and also filed a report with the Federal Trade Commission.

I request that this information be removed from my credit report immediately as these two collections are significantly damaging me, an it is very unjust that I continue to be damaged and at a disadvantage due to Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
{$160.00} XXXX 's XXXX XX/XX/XXXX .. XXXX XXXX XXXX refused to refund the transaction despite documentation so US Bank is following ignoring the documentation both are committing fraud. {$54.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX says they couldn't find the transaction ID number XXXX refused to refund the money so US Bank followed and decided not to refund the money as well despite having proof that I paid for a service that I never received. And {$46.00} for just answer ; XX/XX/XXXX. Just answer refuse to refund a membership that I never signed up for despite never using their service never having my question answered or never talking to a lawyer US Bank followed despite having proof that I didn't do any of these actions.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Yesterday I received a call from a person calling from XXXX XXXX asking if a had made some purchases because my account looked like i was buying from a suspicious site. This happened XX/XX/year> at XXXX. Today XX/XX/year> around XXXX someone called me from where he claimed it was from XXXX XXXX asking if I had gone to a XXXX XXXX bank to withdraw money. I said no. Since I was at work at that time he asked if he could calle.later on today after work. He called around XXXX. He then tells me we need to stop the people wiring money from my account. He said at XXXX XXXX  my account will automatically be withdrawn witb all my money. He asked if I was near a XXXX XXXX bank and if so go take the money from my account before it gets wired. So I go to a teller and ask to withdrawal the money. I withdrew XXXX dollars from my account when I drove home witn this man still on the phone. At this time he asked if I could open my digital wallet because he was going to help me set it up for a new card. He gave me so many card numbers but for some reason they wouldn't go through. Finally his last attempt with digital wallet he mentions sister banks so he proceeds saying chace bank was going to help open a digital wallet and for me to deposit the XXXX dollars there. He then asked to confirm money was deposit and to wait an hour to thirty minutes for XXXX XXXX to give me a call and give me a new account.

Company response to consumer: Closed with explanation