vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX XXXX XXXX XXXX  XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX, XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried disputing it and nothing happened and the following debts MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. '' Reference Number XXXX Date Filed XXXX XXXX XXXX  Classification Bankruptcy Type XXXX XXXX bankruptcy

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 2025-04-26 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: Self Financial Inc.
State: PA

Complaint narrative:
On XX/XX/year> an unauthorized purchase was made on my Self XXXX  Credit Card at XXXX XXXX PA in the amount of {$150.00} and an unauthorized purchase for XXXX XXXX PA in the amount of {$6.00}. I contacted Self Visa Card customer service and reported the transactions on XX/XX/year>. On XX/XX/year> my account was credited the amount and on XX/XX/year> the credit was reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MD

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 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and fraudulent activity as it pertains to my consumer credit file. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent and unauthorized information from my credit file : 1. Fraudulent/Unauthorized Addresses to Remove : See documents for reference.

2. Fraudulent/Unauthorized Accounts to Remove : See documents for reference.

3. Unauthorized Inquiries to Remove : See documents for reference.

Legal Basis for My Request : Under FCRA Section 605B, you are required to : Block all fraudulent information from appearing on my consumer report within 4 business days of receiving this notice.

Permanently delete all items proven to be the result of identity theft without requiring further verification from the furnisher.

Update and issue corrected credit reports reflecting the deletions.

This letter serves as my formal dispute and notification. Enclosed are the following : FTC Identity Theft Report Government-issued photo ID Proof of current address ( utility bill or bank statement ) police report Final Notice : Failure to block and delete this information in accordance with federal timelines will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulators, and may result in legal action as permitted under the FCRA.

Thank you for your immediate attention to this serious matter.

Please send confirmation and updated copies of my consumer file after completing this process. 

Sincerely, 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants Acceptance Corp
State: VA

Complaint narrative:
I am writing to file a complaint regarding a severely inaccurate tradeline appearing on my credit reports ( Experian, Equifax, and TransUnion ) from Merchants Acceptance Corp ( also listed as MERCHANTS ACCEPTANCE C or MRCHNT ACCT ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to 'follow reasonable procedures to assure maximum possible accuracy ' of the information they report. The original loan amount for this account was {$3400.00}. However, my credit reports show a past due balance between {$4200.00} and {$4200.00} as of XX/XX/XXXX. This inflated balance is factually incorrect and does not reconcile with the initial loan, demonstrating a failure to ensure accuracy as mandated by 15 U.S.C. 1681e ( b ). 

Furthermore, the 'Status ' of the account is contradictory and misleading, violating 15 U.S.C . 1681c regarding the reporting of inaccurate and misleading information. The report states, 'Creditor can not locate individual. {$3700.00} written off ' while simultaneously indicating a substantial past due amount and displaying a payment history with repeated 'CO ' ( Charge Off ) entries dating back to XX/XX/XXXX, culminating in a 'Charge Off as of XXXX XXXX '. The account is also incorrectly classified as an 'open ' 'Sales Contract ' despite this charge-off status. 

I previously disputed this inaccurate information with the credit reporting agencies, triggering their obligation under 15 U.S.C. 1681i ( a ) to reinvestigate and delete unverifiable information. My XXXX report ( Report Number : XXXX, generated XX/XX/XXXX ) indicates that a reinvestigation was completed, with the comment 'Completed investigation of FCRA dispute XXXX consumer disagrees. ' The continued presence of these significant inaccuracies, and the slight increase in balance after a recent reinvestigation ( 'This item was updated from our processing of your dispute in XXXX XXXX ' ), strongly suggests that the credit reporting agency failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). 

This also indicates a failure by Merchants Acceptance Corp to meet their obligations under 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to 'correct and update ' or 'delete ' information they can not verify. The persistence of these fundamental errors after my dispute implies that Merchants Acceptance Corp did not adequately investigate and rectify the inaccurate reporting. The ongoing reporting of this inaccurate tradeline is causing harm to my creditworthiness

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
My score has dropped dramatically without additional explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in response to a collection notice I received from your agency regarding an alleged debt. Please be advised that I am requesting validation of the debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to the FDCPA, I request that you provide the following : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; A copy of the original agreement or other verification that I am legally obligated to pay the alleged debt ; A detailed accounting of how the amount was calculated ; A copy of your debt collection license ( if applicable in my state ) ; The name and address of the original creditor, if different from the current one.

Until this debt is properly validated, you must cease all collection activities, including reporting this debt to any credit reporting agencies.

Please consider this letter a formal dispute of the alleged debt and a request for its validation. Any attempt to collect this debt without proper validation is a violation of the FDCPA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies. 
Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued. 
Failure to correct these errors will result in legal action. 
This correction is not just an obligation, it's necessary to prevent further harm to my credit score. :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-26 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: LCI Acquisition Inc.
State: VA

Complaint narrative:
I am filing a formal complaint against LCI Consumer Center for reporting inaccurate, misleading, and unverifiable information on my consumer report. 

LCI Consumer Center is furnishing false, damaging information that is negatively affecting my credit standing. I have never authorized LCI Consumer Center to collect, use, or share my private financial information. Their actions are illegal and in clear violation of federal consumer protection laws. 

Specifically, LCI Consumer Center is violating : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : By failing to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : By failing to properly and timely investigate disputed information upon my request.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : By obtaining and sharing my consumer report without a permissible purpose and without my explicit authorization. 

XXXX XXXX ( XXXX ), 15 U.S.C. 6801-6809 : By unlawfully disclosing my nonpublic personal information, violating my federally protected financial privacy rights.

Despite providing LCI Consumer Center with a detailed dispute letter identifying all inaccuracies, they have failed to correct or delete the erroneous information, showing willful noncompliance with the law. 

Attached is a copy of the letter I sent to LCI Consumer Center outlining all discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NJ

Complaint narrative:
My cash app got charged for XXXX on XX/XX/year> I called because it was a double charged my bank card got charged too. XXXX reversed the payment from cash app I saw it be reversed then next day it was processed thru cash app again and money was removed again I tried resolving this but they keep denying my refund I had a receipt id from merchant stating they refunded the money yet cashapp is saying it was never refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
b'Re: Escalation of Complaint and Notice of Ongoing Violations  Chase Bank\nDear Consumer Financial Protection Bureau,\n\nI am submitting this letter to escalate a complaint that was previously filed regarding JPMorgan Chase. \n\nDespite prior involvement from the Bureau, Chase has provided false and evasive responses, which led to the closure of the previous cases. Additionally, they have continued harmful collection practices, ignored my demand letters, and failed to resolve the issues raised in my dispute.\n\nThe ongoing issues includeXXXXReinstating fraudulent charges without due process or documentation;XXXXFailing to provide requested records or sufficient evidence for the disputed chargesXXXX-Shutting down my linked checking account XXXX- business checkings) without cause or communication, effectively obstructing my ability to make payments on my other credit card XXXX XXXXXXXX-Repeatedly calling me twice daily despite a written dispute and an open complaint with the CFPB already on file regarding business ink credit card/account XXXXIgnoring all attempts to resolve the issue, including through direct communication with Chases legal department.\n\nI sent a demand letter in XXXX and a follow-up on the XXXX of this month, but Chase has not responded. Additionally, I filed an additional complaint with the XXXX  Department of Financial Protection and Innovation (DFPI) regarding their ongoing violations and harassment.XXXXI have now issued a litigation hold to Chase and notified the credit bureaus of my formal dispute under FCRA Section 611 and XXXX  Civil Code XXXXPlease consider this a formal request for further regulatory review of Chases actions. I believe Chase is in ongoing violation of the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), Rosenthal Fair Debt Collection Practices Act, and the XXXX  Unfair Competition Law (UCL).XXXXAttached areXXXX-My detailed follow-up letters to Chase;XXXX-Evidence of repeated collection attempts;\n\n-Previous CFPB complaint information and reference numbers: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-A copy of my complaint to the XXXX XXXX XXXX XXXXTracking information XXXX  respectfully request your expedited review and intervention given the ongoing and unresolved nature of these violations.\n\nThank you for your continued attention to this matter.XXXXSincerelyXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The Comenity website for payments to the XXXX credit card does NOT work! I have had the card for many years and within the last 12-15 months the site repeatedly, numerous, all the time, DOES NOT WORK! The most recent attempts are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The screen is blank when I use Comenitys the login link. 
On XX/XX/XXXX, I called the customer service number to ask what is happening with the website and I explained that I tried logging in on XXXX, but it didnt work and that I have tried numerous other times and it did not work them either. The customer service person said it works best using the XXXX browser, but when I tried to login on XX/XX/XXXX, it did not work! I entered the website comenityXXXX  by hand into the browser bar- it still did not work! I entered it in all caps, still did not work! 
I am incurring late fees because Comenity states that payments can be made online. I have attempted to do that on countless occasions and I have not been able to do so. I also get penalized by Comenity with {$40.00} late fees - yet I try to pay EARLY and I can not access the site!!! There have been other occasions that I logged in with my password and it did not let me in. Something is incredibly wrong and I want a full refund of ALL late fees due to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation