vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: AL

Complaint narrative:
I am disputing the way POSSIBLE FINANCIAL is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, POSSIBLE FINANCIAL, with account # XXXXXXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Im disputing the reporting of the above account on my credit file. The report shows a current balance of {$15000.00} but a high credit of only {$13000.00}. A balance can not be higher than the high credit this is a clear mistake.

Because this information is inaccurate, Im asking that this account be deleted from my credit report immediately under the Fair Credit Reporting Act ( FCRA 1681i ). If the furnisher can not fully verify the accuracy with proper documentation, the tradeline must 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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I faced a data breach, which led to my bank information releasing online. The hacker gained access to my account which I had no notification of from Chase, turned off alerts ( No security here as well ) added external accounts and transferred money. For each of the transaction mentioned above, i haven't received a single notification of the transfer being happening. When I logged into my account on the XXXX, I saw all of this. I immediately filed a claim with chase with claim number XXXX, but they denied it marking the transaction as valid or authorised. I have also filed a case with ic3 ( ref- XXXX ) and ftc ( report number XXXX ) Please help me get the money back if possible. I have not authorised any of this nor have I let someone access my account. Please help me in this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 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: OK

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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My information was involved in a data breach, these are not my accounts and would like them to be removed immediately. I am a victim of identity theft. 
XXXX XXXX opened XX/XX/XXXX Amount {$870.00} XXXX XXXX opened XX/XX/XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/year>, Citi suddenly suspended my credit card account without giving me any prior notice or explanation. This suspension restricted my access to credit and caused financial inconvenience. I had not missed payments or received any warning. 

Under the Equal Credit Opportunity Act ( ECOA ) and the Credit CARD Act, a suspension constitutes an adverse action and requires Citi to provide a written notice explaining the reasons. I did not receive any such notice. 

Dates, amounts, and actions taken : Date of suspension : XX/XX/year> Account balance at time of suspension : approximately - {$1100.00} Home Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Mail Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Actions taken : I attempted to use my card and discovered it was blocked. I contacted Citi customer service but did not receive a clear explanation or any written adverse action notice.

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 2025-09-11 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: AZ

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

1681c2 ) that you, the TransUnion 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 : INQUIRIES : 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 Balance : {$0.00} 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, 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 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding tenant and eviction information reported under my name by the companies listed above. I request full disclosure of any accounts reporting under my name. I am disputing any and all inaccurate, incomplete, or unverifiable information. I request that each company conduct a full reinvestigation of all accounts and apply the following Metro 2 compliance codes : I = Information Disputed by Consumer U = Unable to Verify E = Error Any unverifiable or inaccurate information should be corrected or deleted in accordance with FCRA 611 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 explanation
Consumer complaint received 2025-09-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
victim of identity theft have been battling for months. all 3 credit bureaus need to remove this items from my report. I have sent a dispute to all buraus an still not removed. 

Charges are {$46000.00} {$26000.00} and a fraudulent collection for {$150.00}. 

attached is a copy of my identity theft reports

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 2025-09-11 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: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services 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 2025-09-11 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: IN

Complaint narrative:
I recently pulled my credit report and noticed fraudulent accounts. I have never done business with these companies and have no knowledge of who they are, or why they are reporting on my credit profile. This is identity theft someone was sold my information, and these companies are trying to profit from it. Please block and remove these accounts within 4 days of receiving this notice 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
My credit report still shows paid credit charge offs from 2022 including XXXX AMEX cards, XXXXXXXX XXXX XXXX and XXXX XXXX. I would like to have those removed from my reports as they are paid and unfairly dragging down my credit scores including XXXX XXXX  and XXXX Thank you and please let me know next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
This letter constitutes a formal request to remove the referenced accounts from my credit file. I did not open or approve them, and they appear fraudulent. Kindly investigate and refer to the enclosed documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-11 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: AZ

Complaint narrative:
Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Im disputing the reporting of the above account on my credit file. The report shows a current balance of {$15000.00} but a high credit of only {$13000.00}. A balance can not be higher than the high credit this is a clear mistake.

Because this information is inaccurate, Im asking that this account be deleted from my credit report immediately under the Fair Credit Reporting Act ( FCRA 1681i ). If the furnisher can not fully verify the accuracy with proper documentation, the tradeline must 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 non-monetary relief
Consumer complaint received 2025-09-11 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: NV

Complaint narrative:
I am a victim of identity theft and have submitted an FTC Identity Theft Report, government-issued ID, and proof of address. Despite this, the credit bureaus continue to report fraudulent and inaccurate information.

TransUnion is reporting 11 unauthorized inquiries, Equifax is reporting 4, and Experian is reporting 2. These inquiries were not authorized by me and should have been blocked under FCRA 605B within 4 business days. 

All three bureaus are also reporting a fraudulent collection from XXXX XXXX XXXX ( {$1600.00} ). In addition, Equifax and Experian are reporting a fraudulent collection from XXXX XXXX XXXX ( {$470.00} ). These are not my accounts and are the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX is also being reported inaccurately. Experian correctly reports 0 late payments and 100 % on-time history. Equifax is incorrectly reporting 1 late payment, and TransUnion is incorrectly reporting 2 late payments. It is impossible for the same account to have three different payment histories. Under FCRA 607 ( b ), which requires maximum possible accuracy, Equifax and TransUnion must be corrected to match Experians accurate reporting of 0 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 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
I am writing to request clarification and correction regarding XXXX of my payments that appear to have been misapplied. Specifically, my payments made on XX/XX/year>, and XX/XX/year>, were applied to interest rather than principal. 

At the time of these payments, my account was in an administrative forbearance with 0 % interest accrual, which means that no interest should have been due. Under these circumstances, my payments should have been fully applied to principal reduction. 

I respectfully request that you : XXXX Review the application of these XXXX payments. 
XXXX. Reallocate the amounts paid to principal, consistent with program rules. 
XXXX. Provide me with an updated account statement showing the correction. 

Please confirm receipt of this request and advise me once the adjustments have been made. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation