vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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:
Contents of Complaint : This complaint is submitted to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that XXXX  immediately block from my consumer credit report all information resulting from identity theft and fraud. In accordance with the statute, this information must be blocked within four ( 4 ) business days of your receipt of this request and accompanying documentation. 

The fraudulent, inaccurate, and unauthorized information includes the following : XXXX XXXX XXXX {$850.00} XXXX XXXX {$350.00} XXXX XXXX. {$490.00} XXXX XXXX XXXX {$340.00} XXXX XXXXXXXX XXXX {$1000.00} These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my FICO consumer credit report maintained by your agency. I do not recognize these accounts, collections, or hard inquiries, and I did not open, authorize, or initiate any of them. 

All of these items are the result of identity theft and fraud. 

As supporting evidence, I have included : A list of the disputed hard inquiries. 

A copy of the FTC Identity Theft Complaint ( Case # : XXXX ) confirming the identity theft. 

I request immediate action in accordance with FCRA 605B and that written confirmation of the blocks be sent to my email : XXXX. 

Sincerely, XXXX XXXX

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

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im writing to dispute some information I found on my credit report that I believe is inaccurate. After carefully reviewing the details, I noticed an entry that doesnt match any account or activity Im familiar with. I have no record of this account, and Im concerned it may have been reported in error.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-06 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: Self Financial Inc.
State: TX

Complaint narrative:
Subject : Request for Deletion of Sold Collection Account FCRA & FDCPA Dispute Account Name : Atlantic Capital Bank Account Number : XXXX Date Opened : XX/XX/year> Amount : {$720.00} To Whom It May Concern, I am writing to dispute the accuracy and validity of the above-referenced collection account currently listed on my Equifax credit report. According to my records, this account was sold to a third-party debt buyer. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request verification and proper documentation of this account. 



Once a debt has been sold, the original creditor ( Atlantic Capital Bank in this case ) should report the account as sold or transferred and with a XXXX balance. If the new collector is reporting the account, they must provide full documentation verifying their legal authority to do so. 



Therefore, I request that XXXX  : Immediately investigate this account and provide documented verification of the debt. 



Delete the account from my credit report if full documentation and ownership records are not provided within 30 days. 



Send me a written statement of the results of your investigation. 



Attached are copies of my government-issued ID, proof of address, and a copy of the credit report with the disputed account clearly marked. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

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

Complaint narrative:
I first noticed the inaccurate accounts on my credit report in XX/XX/XXXX The following accounts were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-06 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have applied for a Jet Blue business card through Barclays Bank. I already had another credit card through Barclays Bank, Luxury XXXX XXXX. As many accounts as I have and mortgage and history and experience with credit bureaus throughout my life, I have never seen a drop from XXXXXXXX XXXX XXXX credit score to XXXX credit score ( XXXX point drop ). Never in my life have I seen that drop, maximum I have seen was XXXX points. Alternatively, XXXXx credit score was XXXX ( as of XXXX ) and dropped to XXXX ( as of XXXX ), XXXX points same with XXXX 
I have disputed erroneous drop and was rejected. 

Please see attachments for the point drop, it incorrectly states " Barclays account balance increased '' where it should have stated the credit limit increased, which could have resulted in higher credit score or regular small drop but not XXXX credit points and XXXX credit points alternatively. I have spoken to their representatives and no-one believes this is correct and was a mistake. I have had a mortgage hit and and eve that was XXXX points. I also own XXXX accounts in outstanding condition.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This regards Bank of America : This single late payment is the only negative mark on my 10-year credit history and has had a significant negative impact on my financial standing. I have been a loyal Bank of America client since XXXX and had the following situation : XX/XX/XXXX XX/XX/XXXX : While traveling internationally, I made a small purchase of {$11.00} to keep the long-dormant card active. 

Autopay Status : Unknown to me, Autopaywhich had been enabled since I opened the account in XXXXwas silently XXXX due to two years of inactivity. I received no email, SMS, or in-app notification of this change. 

XX/XX/XXXX : A statement was issued while I was still abroad. I did not receive any notification that a payment was due. 

XX/XX/XXXX : I received a credit alert from XXXX  showing a 30-day late payment. I immediately paid the full balance of {$11.00} upon my return. 

XXXX XXXX : After resolving the balance, I closed the credit card.

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 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am disputing a debt that appears on my credit report, which I believe is the result of identity theft. The account does not belong to me, and I never opened or authorized it. 

Details of the disputed account : Collection Agency : Credence Resource Management Original Creditor : XXXX XXXX XXXX ( Utilities ) Amount : {$670.00} Date Placed for Collection : XX/XX/year> Status : In Collection I discovered this account while reviewing my credit report. I immediately contacted the appropriate parties to dispute it and requested documentation used to verify the debt. However, the company has not provided any actual documentation proving the debt is mine. They only responded that it was verified, which is not sufficient under the Fair Credit Reporting Act, especially in cases of identity theft. 

I have filed a police report and an FTC Identity Theft Report and included those in my dispute. Despite this, the account remains on my credit report, causing harm to my credit standing. 

I am requesting that this account be removed from my credit report immediately, as required under the Fair Credit Reporting Act when a debt can not be verified or is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been updating my address several times on my Transunion account with no change on Transunion side. For that reason, they are not allowing me to view my credit report or open any disputes. I have reached out several times and each time I am being told that its being escalated but still no changes. Transunion is not updating my credit report properly either. I have addressed several times as well. I received a call about this issue and was spoken to very rudely.

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 2025-06-06 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed multiple disputes with Chase under Visa Reason Code 13.3 ( Misrepresentation of Goods or Services ) for transactions with XXXX. The merchant delivered digital goods ( sweepstakes coins ), but later revoked access after purchase, rendering them unusable. This post-sale revocation qualifies as misrepresentation under Visa rules. 

All disputes were filed and refiled under 13.3. I submitted full documentation including a timeline, screenshots, proof that the goods were not one-time consumables, and evidence of the merchants bankruptcy.

Chase denied the disputes, stating they could not prove I did not benefit, which misrepresents the core issue. I requested escalation to Visa arbitration, which should be allowed under 13.3 and within the eligibility window. Chase refused, without providing a valid justification.

Some disputes are still pending. I am concerned they will be mishandled in the same way, and that I will lose my arbitration rights due to Chases refusal.

I am asking the CFPB to ensure that : 1. My documentation is fully reviewed under 13.3 2. Any improperly denied disputes are re-evaluated 3. Arbitration is made available where appropriate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PERSONAL STATEMENT CFPB I am submitting this request to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following inquiries on my credit report is the result of identity theft and should be deleted : INQUIRIES XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

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

Complaint narrative:
I want to emphasize that this complaint is not submitted in error. My credit report contains information that does not meet the required standard of maximum possible accuracy. These inaccuracies are placing a significant burden on me and continue to negatively impact my life. I respectfully request that these issues be thoroughly reviewed and corrected or removed as appropriate.

Company response to consumer: Closed with non-monetary relief