vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Creditly Corp.
State: CO

Complaint narrative:
I never signed up with credit genie, but I think they are tied to another payday advance place, but every month. I am charged XXXX. I have called them. I have no login information because I never know. Did anything and continuously? I just keep getting charged {$5.00} a month. They tell me everything 's fine, but it still continues. It is very inconvenient for me to have to change bank account numbers. 
I don't know why they can't pull up. My bank account number and find the transactions and stop them. This is a lot of money over a lot of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-06-12 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX : XX/XX/XXXXXXXX  Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Round 2 Dispute Credit Concepts Charged-Off Account Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This is my second formal dispute regarding the charged-off account reported by Credit Concepts, account number XXXX XXXX XXXX XXXX XXXX My first dispute was marked as verified without any supporting documentation being provided. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a complete reinvestigation. No signed agreement, detailed payment history, or breakdown of the balance has been presented to confirm the accuracy of this account. If the creditor can not fully verify this information with proper documentation, the account must be removed from my credit report. 

Please provide : All documents used in your verification process The name and contact information of the entity that verified the account A detailed explanation of how the account was verified Enclosed are copies of my ID and a recent utility bill for address verification. I expect a response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year>XXXX  a identity theft police report was filed with XXXX XXXX Police Department to include the information Bank of America credit card, XXXX XXXX XXXX XXXXXXXX XXXX were contacted via certified mail with no response to requested information. 
We only received correspondence when we filed with the FTC.

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 2025-06-13 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: CA

Complaint narrative:
Im writing because Ive identified incorrect and damaging information on my credit report, and I need it corrected immediately. 

The item in question is flat-out wrong, and its presence on my credit profile is not only inaccurate, its also unfairly affecting my credit standing and financial reputation. I take my credit very seriously, and I will not allow a reporting erroror worse, negligenceto negatively impact me. 

Im disputing this entry because it does not belong to me, and I have no legitimate connection to the account or action in question. Whether it was the result of outdated reporting, mistaken identity, or even fraudulent activity, it needs to be removed without delay. 

I want to be extremely clear here : I did not authorize or initiate this account/activity. 
I have never received goods, services, or credit tied to it. 
This item is not my responsibility and should never have been linked to my report in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: KS

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for demonstrating ongoing negligence in handling inaccurate information reported on my credit file.

Despite multiple formal disputes, the credit bureau has continued to report information that is inaccurate and unverifiable. I have requested proper debt validation, including a signed contract or other documentation clearly connecting me to the alleged account ( s ). The credit bureau has failed to provide this information, yet continues to mark the disputes as verified without offering any evidence of the verification process. This practice is not only misleading, but it violates the FCRA, which requires credit reporting agencies to conduct a reasonable and good faith investigation into any disputed information.

As a direct result of continued reporting of inaccurate information, I have suffered significant financial and personal damages. These include : Denial of credit applications Increased interest rates on loans and credit cards Reputational harm in financial and professional settings Emotional XXXX  and XXXX  caused by prolonged and unresolved credit issues These consequences are unjust, especially considering that I have made every good faith effort to resolve the matter through proper channels. failure to take appropriate corrective action has directly impaired my ability to secure fair and affordable credit, and it is negatively affecting my financial stability and opportunities.

I am requesting immediate action to fully investigate and correct the errors on my credit report, including the removal of all unverifiable or inaccurate accounts. If this continues to neglect its legal obligations under the FCRA, I am prepared to escalate this matter by filing a complaint with the Federal Trade Commission ( FTC ) and pursuing legal remedies to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: KS

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for demonstrating ongoing negligence in handling inaccurate information reported on my credit file.

Despite multiple formal disputes, the credit bureau has continued to report information that is inaccurate and unverifiable. I have requested proper debt validation, including a signed contract or other documentation clearly connecting me to the alleged account ( s ). The credit bureau has failed to provide this information, yet continues to mark the disputes as verified without offering any evidence of the verification process. This practice is not only misleading, but it violates the FCRA, which requires credit reporting agencies to conduct a reasonable and good faith investigation into any disputed information.

As a direct result of continued reporting of inaccurate information, I have suffered significant financial and personal damages. These include : Denial of credit applications Increased interest rates on loans and credit cards Reputational harm in financial and professional settings Emotional XXXX  and XXXX  caused by prolonged and unresolved credit issues These consequences are unjust, especially considering that I have made every good faith effort to resolve the matter through proper channels. failure to take appropriate corrective action has directly impaired my ability to secure fair and affordable credit, and it is negatively affecting my financial stability and opportunities.

I am requesting immediate action to fully investigate and correct the errors on my credit report, including the removal of all unverifiable or inaccurate accounts. If this continues to neglect its legal obligations under the FCRA, I am prepared to escalate this matter by filing a complaint with the Federal Trade Commission ( FTC ) and pursuing legal remedies to recover damages.

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 2025-06-12 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: IL

Complaint narrative:
XXXX'Equifax Information Services\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA  605B (15\n U.S.C.  1681c-2) that you, the Equifax credit reporting agency, block information\n appearing on my consumer credit report that is the result of identity theft and fraud\n within 4 business days of you receiving this complaint. The following items do not\n belong to me and is a result of fraud that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report,\n except\n for my only name and address listed below:\n Name: 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-13 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ( s ) appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a collection account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as 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. I demand that the fraudulent items be removed from my consumer credit report 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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Called to discuss an account matter Chase bank had reached out about and rather got unfair treatment and disrespect and manipulation of an information system where agent used their emotion of anger to close online access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the EQUIFAX data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open. 

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file. 

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days. 

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with non-monetary relief