vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Unlawful Credit Reporting, Failure to Validate, and Improper Verification by Resurgent Receivables LLC Company : Resurgent Receivables LLC XXXX Resurgent Capital Services Original Creditor : XXXX XXXX XXXX  Credit Bureau Involved : XXXX  ( and others if applicable ) Resurgent Receivables is illegally reporting a collection account on my credit file. They continue updating the account every month without any new information, without validating the debt, and while the account is in dispute, which violates both the FCRA and FDCPA. 

I disputed this with XXXX. Their response said : Information you disputed has been verified as accurate ; information unrelated to your dispute has been updated. 

This is impossible, because Resurgent has never provided : Original contract Proof they legally own the debt Chain of custody Itemized accounting Any original documentation They are verifying the account with no evidence, then repeatedly updating the same stale information, which artificially damages my credit and may constitute illegal re-aging and abusive furnishing. 

This is deceptive, misleading, and noncompliant reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: TN

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
Experian, Equifax and TransUnion refused to correct inaccurate information on my credit report after I submitted multiple disputes with supporting details. They verified accounts without providing documentation and without performing a lawful investigation as required under 15 USC 1681i.

I requested the Method of Verification, and neither bureau provided the names, documents, or procedures used. It appears the accounts were verified automatically through XXXX, which does not meet federal investigation standards. 

The furnishers also failed to provide account-level documentation, violating FCRA 609 ( a ) and 623 ( a ).

I am requesting : A full investigation All documentation used to verify the accounts Removal of unverifiable information Enforcement of compliance with FCRA Requested Resolution : Permanent deletion of all unverifiable accounts and correction of procedural violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NV

Complaint narrative:
I am filing this identity theft report because XXXX accounts appearing on my credit reportone reported by XXXX XXXX  and XXXX reported by XXXX XXXX XXXX XXXXare fraudulent, unauthorized, and were never opened, used, or agreed to by me. I did not initiate credit with either of these companies, nor did I authorize anyone else to use my personal information to open these accounts. 

The XXXX XXXX  account shows as a collection account with account number XXXX * * * *, connected to an alleged debt that I never incurred. I have never done business with XXXX XXXX, never received prior notice of any debt, and have no relationship with the original creditor. This debt was created using my stolen personal information. 

The XXXX XXXX XXXX XXXX account also appears as a derogatory tradeline. I have never applied for or financed a vehicle or any form of credit with this company. The presence of this loan on my credit report is the result of fraudulent activity and unauthorized use of my identifying information. 

These accounts were added to my report without my knowledge or consent and have caused financial hardship, credit denial, and emotional distress. They violate my rights under FCRA XXXX, XXXX, and XXXX, because the furnishers and credit bureaus failed to properly verify this information and continued reporting it even though it is clearly fraudulent. 

I am requesting that the FTC document this identity theft incident so that XXXX XXXX XXXX XXXX XXXX  XXXX, and all credit bureaus comply with federal law and immediately remove these unauthorized and fraudulent accounts from my reports. 
XXXX. XXXX XXXX  ( Collection Account ) Creditor : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Status : Collection ( fraudulent ) I never opened this account, never received a bill, and have no connection to this debt. 

XXXX. XXXX XXXX XXXX XXXX ( Auto Loan Account ) Creditor : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX Status : Derogatory / Auto Loan ( fraudulent ) I have never financed a vehicle through this company and did not authorize this account. 

FCRA 605A Identity Theft Rights Bureaus must block these accounts when an identity theft report is provided.

FCRA 605C Mandatory XXXX XXXX XXXX After receiving identity theft documentation, the bureaus must block these items within XXXX business days. 

FCRA 611 Reinvestigation Failures Both XXXX XXXX and XXXX XXXX  XXXX continued reporting unverifiable and fraudulent information. 

FCRA 623 Furnisher Violations Furnishers can not report data they know or should know is inaccurate. 

XXXX ( Red Flags Rule ) Failure to detect identity mismatch and fraudulent activity at account origination. 

GLBA & Privacy Act Violations Failure to safeguard consumer identifying information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Multiple deductions from my checking account without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Someone used my information without my knowledge or consent an opened up fraudulent accounts.It was 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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
" I am submitting this complaint regarding an Unauthorized Electronic Fund Transfer ( EFT ) totaling {$1500.00} from my Chase checking/savings account via the XXXX service XXXX XX/XX/year> at XXXX. 

The Issue : This was an Account Takeover, not a scam. The perpetrator compromised my XXXX profile by adding an unauthorized phone number ( which facilitated the transfer to XXXX XXXX ) without my permission. 

Chases Error : I reported the fraud immediately. Chase initially issued a provisional credit for the full amount, but later revoked that credit and stated I must wait for the conclusion of their investigation. I am currently without my funds. 

Documentation : I have filed a police report for Identity Theft with the XX/XX/XXXXXXXX ) and have provided that report number. Chase has failed to provide a satisfactory reason or documentation for revoking the provisional credit. 

Resolution Requested : I demand the immediate, permanent return of the {$1500.00} stolen due to the unauthorized transfer, as mandated by consumer protection law ( Regulation E ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: White Jacobs & Associates
State: NY

Complaint narrative:
Enrolled in a credit repair program with White, Jacobs and associates which was supposed to be a 6 month process. I had 50 negative remarks on my report and was promised they could get all if not most removed. I was asked to pay a monthly fee + non contingent fee over 6 months totaling close to XX/XX/XXXX Their first round would begin after my first payment. 

It has now been 11 months. They are still sending additional disputes beyond their 4 rounds. I have seen 4 removals that are legitimate but no material change in my scores. I have also received a lawsuit from one creditor they were disputing ( I was told they would recommend settling if that was the only round so imagine my shock when I got served with a lawsuit ). I also received one of the dispute letters they sent on my behalf which was full of lies- luckily this was returned to sender and came to me as XXXX puts my info on all outreach. 

All in all, my credit is worse than it was when I started and the money I paid them couldve gone to settling with a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This was a business card paid in full. A hidden membership fee posted with no notice after a {$0.00} balance, causing an incorrect late report. Please see attached full evidence package.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
This was a business card paid in full. A hidden membership fee posted with no notice after a {$0.00} balance, causing an incorrect late report. Please see attached full evidence package.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: NC

Complaint narrative:
Prohibited Reinsertion of Fraudulent Account, Lack of Authorization, and Permissible Purpose Violations/ Failure to Provide Wet Signature Legal Documents or Valid Photo ID. 

Victim of Equifax Data Breach ( XXXX XXXX. XXXX ) I, XXXX XXXX, demand arbitration pursuant to any applicable arbitration agreement and assert my rights under federal law and the laws of the XXXX XXXX XXXX XXXX regarding the unauthorized reinsertion of a previously disputed and removed account on my Equifax Inc. credit report . The following accounts were previously investigated, disputed, and removed from my credit report after verification confirmed inaccuracies : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$2600.00} These accounts were improperly reinserted into my credit file without proper verification, documentation, or legal authorization. 

Federal Law Violations 1. Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Improper reinsertion without verification 15 U.S.C. 1681o : Negligent noncompliance with statutory duties 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures for maximum accuracy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Violations : XXXX XXXX Unfair and Deceptive Trade Practices Act ( UDTPA ), N.C. Gen. Stat. 75 1.1 et seq. : unfair, deceptive, and unconscionable acts and practices in consumer transactions State consumer protection provisions applicable to credit reporting, collection, and deceptive trade practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase acted in bad faith by freezing a check deposited into my account and restricting my account without providing a workable path to resolve the issue. On XX/XX/XXXX, Chase informed us that five checks needed to be verified, or the account would be locked and no funds would be released. 

We successfully verified four of the checks. However, for the fifth check, Chase stated they could not call the maker because his phone number is not listed in XXXX, the third-party system Chase uses to verify identity. The maker contacted XXXX and was told that, due to their system limitations, no phone number appears under his profile. 

As a result, Chase made it impossible for either us or the maker to complete the required verification due to a third-party system error. Because of this, {$4500.00} remains permanently on hold, and Chase has notified us that the account will be closed. 

Were aXX/XX/XXXX and the maker is one of our patients. Having our funds frozen like this really puts us in a difficult position it affects the care were able to provide. Were just trying everything we can to fix this.

Company response to consumer: Closed with explanation