vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section XXXXB and 15 CXXXXe Section XXXXI once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
A XXXX  Reconsideration Case XXXX XXXX XXXXXXXX was submitted on XX/XX/year>. Never was resolve. 
Those XXXX months in that reconsideration are the last XXXX I need to complete the XXXX forgiveness loan. 

I called and no one can provide me information. I submitted a feedback complaint on XX/XX/year> and no answer either. Feedback Case XXXX XXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I see litigation for determination of character. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a fraudulent auto account reported by XXXXXXXX XXXX ( Account # XXXX ) on my credit file. I am the documented XXXX of identity theft, as evidenced by FTC Identity Theft Report XXXX. XXXX, filed and signed under penalty of perjury on XX/XX/XXXX. 

I never applied for, opened, or authorized this account. The fraudulent activity began in XX/XX/XXXX, and I discovered it in XX/XX/XXXX. This account was opened and used without my knowledge or consent. Under XXXX XXXX. XXXX ( XXXX ), it is unlawful to obtain or use my credit information without my informed consent. The presence of this account violates my rights under XXXX XXXX. XXXX ( XXXX ) and must be treated as a violation of the Fair Credit Reporting Act ( FCRA ) and my right to financial privacy. 

I formally requested that this account be deleted or blocked from my credit file in accordance with FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), which mandates that identity theft-related information be removed once a valid identity theft report is submitted. Despite this, the fraudulent account remains, causing serious harm to my creditworthiness. 

This continued reporting constitutes a willful failure to comply with federal law, and I am requesting immediate regulatory intervention.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I requested for my credit to be frozen due to identity theft and it was not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I have disputed a Child Support Enforcement account on my Experian credit report three times. Each time, Experian claimed to have conducted an investigation and verified the account as accurate. However, I contacted the creditor directly the Florida Department of Revenue , Child Support Program and obtained a formal letter confirming that my child support case is CLOSED/NEVER LATE and they do not have current information about me. 

Despite this, Experian continues to report derogatory and outdated information for this account, including " Collection '' and " Charge Off '' remarks as recently as XX/XX/XXXX and XX/XX/XXXX, along with status updates through XX/XX/XXXX, even though the case has been closed. This reporting is inaccurate, unverifiable, and damaging to my credit profile. 

Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ), including : Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i Reporting outdated and inaccurate derogatory information Continuing to report unverifiable information despite proof provided I have attached the official letter from the Florida Child Support Program as evidence.

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: GA

Complaint narrative:
XXXX : XXXX XXXX XXXX {$180.00} TruBlue is attempting to collect a debt for the above creditor, in which they stated Ive sent a check that was returned. I don't know when the last time I saw a check. They're using an email address that I never provided. The address they have on the account with my name is also incorrect.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX and I am submitting this statement as part of my FTC Identity Theft Report. 

I am the victim of identity theft. I discovered that XXXX or more accounts were opened or used in my name without my knowledge or consent. These fraudulent accounts and transactions do not belong to me, and I did not authorize or initiate them. 

I first became aware of the identity theft on or around [ Insert Date ] when I noticed unfamiliar activity on my credit report, including the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for credit or opened any accounts with these companies. I am concerned that someone used my personal information to obtain credit, goods, or services fraudulently. 

I am requesting that the credit reporting agencies block and remove all fraudulent information from my credit file in accordance with 15 U.S. Code 1681c2. I am also requesting that no further information related to these unauthorized accounts be reported on my credit profile. 

I am taking the necessary steps to protect my identity, including filing this report, placing fraud alerts on my credit file, and monitoring all financial accounts. 

I affirm that the information provided in this statement is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX and I am submitting this statement as part of my FTC Identity Theft Report. 

I am the victim of identity theft. I discovered that XXXX or more accounts were opened or used in my name without my knowledge or consent. These fraudulent accounts and transactions do not belong to me, and I did not authorize or initiate them. 

I first became aware of the identity theft on or around [ Insert Date ] when I noticed unfamiliar activity on my credit report, including the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for credit or opened any accounts with these companies. I am concerned that someone used my personal information to obtain credit, goods, or services fraudulently. 

I am requesting that the credit reporting agencies block and remove all fraudulent information from my credit file in accordance with 15 U.S. Code 1681c2. I am also requesting that no further information related to these unauthorized accounts be reported on my credit profile. 

I am taking the necessary steps to protect my identity, including filing this report, placing fraud alerts on my credit file, and monitoring all financial accounts. 

I affirm that the information provided in this statement is true and accurate to the best of my knowledge.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am filing this complaint regarding a delinquent U.S. Bank credit account that remains on my credit report. I have made XXXX formal goodwill requests directly to U.S. Bank, asking for the removal of this item as I work to rebuild my credit following financial hardship. 

Both responses from U.S. Bank were form letters stating that they are required to report accurate information, and they made no mention of my specific request for goodwill removal or individual consideration. I believe this constitutes a lack of meaningful review and customer service responsiveness. 

I am not disputing the accuracy of the report under the FCRA 's Section XXXX, but requesting an exception be granted due to ( optional : personal hardship, successful repayment, long-standing banking relationship, etc. ). Many financial institutions offer such goodwill adjustments under certain circumstances, but my request was disregarded without explanation. 

I am requesting that U.S. Bank revisit my request in good faith and provide an actual response that reflects an individualized review rather than a generic policy statement. 

I respectfully ask the CFPB to ensure that this matter receives proper evaluation by a senior member of U.S. Bank 's credit reporting or customer relations team. 

I previously submitted a goodwill request to U.S. Bank on XX/XX/year>, and received a generic denial. Unfortunately, I no longer have a copy of that response, but I did receive a second denial letter dated XX/XX/year>, which was identical in language and did not address my specific request.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX XXXX  $ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 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 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 2025-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My property address is XXXX XXXX XXXX XXXX XXXX LA XXXX My name is XXXX XXXX. 
I got my concerns because I spoke with the Jp mortgage and they told me the first time a called them XXXX Jp representative I asked him whats going on, why if I made all my monthly payments I am on forclosure. He laughed and told me. SIR YOU ARE XXXX months behind and you are on forclosure!!! 

I asked, and why I wasnt notified about the matter?! 

Apparently I was on forclosure from XXXX And nobody came to my property or a forclosure signs on the front of the house at least Or a certified letter from usps! 

I just XXXX  my self passed XXXX  night! 

I dont have time for anything! 

I asked the attorney and the lender to push the court sale! But, they dont care Chase XXXX the representative told me this morning he found my payments! 
And for some reason they goes straight to my escrow account and thats why they didnt found it I told him to pull out the XXXX  XXXX he told me I got on the escrow account and corrected the missing payments. 

He told me they cant pull that money out. 
The only option is to pay for the reimbursement cost of {$15000.00} But why if he found the money? 

Then a callback trying to push the process and another representative from chase told me ALL THE INFORMATION THE FIRST REPRESENTATIVE TOLD ME THIS MORNING IT WAS TOTALLY WRONG!!! 

They just playing with me winning time for the forclosure date! 

I got proof of the payments and also I paid extra this year I had same situation on XX/XX/year> but I didnt check anything I just did the reinstatement payment and never checked But now Im finding a lot of mistakes on my mortgage The balance never dropped either even making extra payments every XXXX  months of around XXXX  XXXX Please at least help me out to push the court date! 

This foreclosure is a fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This company XXXX sold this collection to XXXX and the account was deleted off my report the the company XXXX resold this account to rant XXXX thats the account number in which this account was deleted for XXXX then after deletetion they resold the account to XX/XX/XXXXXXXX same amount XXXX and reinstated back on my account

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want all the items I have detailed in my documents to be removed immediately from my report and I want my report to then be update and rapidly rescored to reflect the accurate information that should be listed. Due to the non compliance and the resistance to address these issues and by law the fact that these issues have not been addressed within 30days.... I demand that these items be removed from all reporting agency sites now.

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