vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
I have several charge-offs and inquiries, addresses and phone numbers that I am not associated with. I requested information from a multitude of companies on my credit file because inaccuracies are being reported on varies date and transferred to other companies. Will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The credit bureaus are supposed to report accurate information and based on the accounts in collections, charge-off, and recent inquiries this is not happening. I believe that I have been affected by multiple date breaches. My name is XXXX XXXX, any other names or variations should be deleted. The only address that should be there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete any other addresses on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Meta Payments Inc.
State: LA

Complaint narrative:
I don't want them to have or save my payment methods

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I shopped at XXXX in XXXX. I wanted to use my debit card and I put my debit card in the card reader. The card reader asked me to verify the last four digits of my social security number. I did not think much of it until I recess bill in XXXX from XXXX XXXX. I called and explained the situation and said, please close this account, I did not want this account. I will pay for my purchase thats charged to this account and then, please close it. The bank said ok, no problem, your acct is closed and settled. A month later, I get another bill from XXXX saying that I owe a late fee. I said, no way, the person who took my payment said I was paid up and the account was closed, this representative said I supposedly paid it 30 minutes late, that its due before XXXX eastern time. I said, no I paid it on time, its not my problem when it was processed, that I called. So I paid the late fee and said I want a refund later. Today, called XXXX because I got a bill again the mail today from XXXX for yet another late fee of {$9.00}. I told the representative that I am done, and that why was I being charge once again a late fee, he said he could do nothing, so I asked for his supervisor who said that he would clear my late fee for the {$9.00} cause I had paid the late fees already but thats the way their system work. I told him that I want my money back that I had already paid I. Late fees that I should not have incurred, its not fair and this company is trying to impose late fees and other fees to keep customers paying so that they can make money off their customers. They also force their customers in their stores to open accounts by tricking them into opening an account. XXXX XXXX should stop this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREENSKY OPERATIONS, LLC
State: IL

Complaint narrative:
Since XXXX I've been contacting this company name Greensky account ending XXXX which is what's reporting on my credit report, I've contacted the credit bureaus with multiple letters and also call the company and ask them to verify this debt but all I was provide was the debt was valid and the addresses XXXX XXXX has giving me plenty of accuses why they can't provide me with the documents and also closed the account as a charge of but still sending letters to collect this debt. I've explain to them countless of times that my information was compromise I even had to file police reports about identity theft I even have a block on m credit report so I can't understand why this has happened, since closing this account and reporting it as a charge off XXXX has still been send me letters asking to pay this debt and every time I call them I can't get any information this is not my account and its been a really pain trying to prove that please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I did some car shopping over the past two years and I was not aware that the car dealership would share my information with XXXX XXXX. I did not consent to the company to view 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 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX Student loans . 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/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 2025-05-10 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report resulting from identity theft. I did not authorize or open the accounts in question, and they do not belong to me. These fraudulent accounts have negatively impacted my credit standing, and I request their immediate removal from all records. I have reported the identity theft to the appropriate authorities and taken steps to protect my identity, including filing a police report and placing a fraud alert with the credit bureaus. Please investigate these accounts and correct my credit report accordingly. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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 writing to formally dispute inaccurate information on my credit report resulting from identity theft. I did not authorize or open the accounts in question, and they do not belong to me. These fraudulent accounts have negatively impacted my credit standing, and I request their immediate removal from all records. I have reported the identity theft to the appropriate authorities and taken steps to protect my identity, including filing a police report and placing a fraud alert with the credit bureaus. Please investigate these accounts and correct my credit report accordingly. Thank you for your prompt attention to this matter.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a formal complaint against LexisNexis for maintaining and publishing inaccurate, unauthorized, and unverifiable personal data within my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Upon receiving a full disclosure of my LexisNexis file, I identified multiple violations : Irrelevant or outdated driving records Insurance-related records with no permissible purpose Traffic violations and vehicle incidents not legally linked to my identity Multiple outdated addresses, none of which should remain active This data was either never authorized by me, is grossly outdated, or entirely inaccurate. It serves no legitimate reporting function, damages my reputation, and may impact future employment, housing, and financial opportunities. 

My current and ONLY authorized address is : XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, FL XXXX I am demanding the permanent removal of all other addresses, as well as the complete deletion of any insurance-related items, traffic citations, court data, or behavioral data not directly supported by legally verifiable records.

This report lacks permissible purpose under F

CRA 604, and this negligence in data handling violates federal consumer protection laws. I require immediate action. Please provide a formal confirmation in writing that : All inaccurate and unauthorized records have been deleted from my file No further reporting will occur from LexisNexis involving these data categories My identity and PII are no longer exposed to secondary data aggregators Failure to comply will result in additional regulatory escalation and formal legal review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-05-10 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 have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX Balance {$15000.00}, XXXX XXXX {$720.00}, XXXX XXXX Balance {$170.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$260.00}, XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX Balance {$15000.00}, XXXX XXXX {$720.00}, XXXX XXXX Balance {$170.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$260.00}, XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XX/XX/year>

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 2025-05-10 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft. I previously submitted a fully documented identity theft packet to JPMorgan Chase Bank, N.A., including : - A valid and notarized FTC Identity Theft Affidavit - A police report filed with the XXXX XXXX XXXX  ( Case # XXXX ) - A valid FTC Identity Theft Report ( Report # XXXX ) - Copies of my government-issued ID and Social Security card - A copy of my Lease Agreement. 

After initially suppressing one fraudulent account ( Chase Slate ), Chase has now re-reported two additional fraudulent credit card accounts, and refusing to delete the Slate account, in my name, despite being fully aware of my identity theft case and having already received all legally required documentation. 

Additionally, at least XXXX of the fraudulent accounts being reported by Chase ( a Chase Freedom account ) is more than XXXX XXXX XXXX. Per XXXX XXXX FCRA 605 ( a ) XXXX XXXX  no negative account information may remain on a credit report beyond 7 years from the date of first delinquency. 

This is a clear violation of federal aging limits for negative reporting, made worse by the fact that this account was also fraudulently opened using stolen personal information. 

I am demanding that Chase not only block these accounts under 605B, but also delete them immediately for being well beyond the allowable reporting window under 605 ( a ).

This is a clear and ongoing violation of the Fair Credit Reporting Act ( FCRA ), specifically : - FCRA 605B Mandatory block of identity theft items- FCRA 623 ( a ) ( 6 ) Furnishing disputed data after receiving fraud notice - FCRA 623 ( a ) ( 7 ) Failure to mark the tradeline as disputed - FCRA 605 ( a ) Reporting outdated/expired tradelines - FCRA 616 Civil liability for willful noncompliance I have reached out to Chase again via certified mail and email to demand deletion of these new tradelines, but they have not resolved the issue. These accounts continue to damage my credit, impact my ability to apply for financial products, and cause ongoing emotional and financial stress. 

I am requesting that the CFPB investigate JPMorgan Chase Banks failure to comply with federal law and compel them to : 1. Block and permanently delete all fraudulent accounts from my credit report 2. Cease furnishing any and all identity theft-related tradelines 3. Provide written confirmation of compliance Attached are my identity theft documents, including the FTC affidavit, police report, and proof of identity. Please take action. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I am reporting unauthorized use of my Social Security Number ( SSN ) and the continued reporting of fraudulent accounts and hard inquiries on my credit reports by Equifax, Experian, and TransUnion, in violation of federal law. 

My credit reports contain multiple accounts and inquiries I did not authorize, open, or benefit from. These include : Charge-Offs : XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Bank Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my credit reports list : A false name ( XXXX XXXX XXXX XXXX XXXX addresses in XXXX  and XXXX, GA Unreachable phone numbers Legal Violations : I never provided written authorization to the credit bureaus or furnishers to access or report this information. Their actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681c2, 1681e ) Privacy Act of 1974 ( 5 U.S.C. 552a ) Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Social Security Act ( 42 U.S.C. 408 ( a ) ( 8 ) ) Regulation P 12 CFR 1016.11016.7 ( failure to provide opt-out rights )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reporting unauthorized use of my Social Security Number ( SSN ) and the continued reporting of fraudulent accounts and hard inquiries on my credit reports by Equifax, Experian, and TransUnion, in violation of federal law. 

My credit reports contain multiple accounts and inquiries I did not authorize, open, or benefit from. These include : Charge-Offs : XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Bank Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my credit reports list : A false name ( XXXX XXXX XXXX XXXX XXXX addresses in XXXX  and XXXX, GA Unreachable phone numbers Legal Violations : I never provided written authorization to the credit bureaus or furnishers to access or report this information. Their actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681c2, 1681e ) Privacy Act of 1974 ( 5 U.S.C. 552a ) Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Social Security Act ( 42 U.S.C. 408 ( a ) ( 8 ) ) Regulation P 12 CFR 1016.11016.7 ( failure to provide opt-out rights )

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by a phone that showed JP Morgan CHASE 's number ( XXXX ), who had alerted me of two fraudulent payments made from my debit card. They asked whether I had wired {$25000.00} to someone at XXXX XXXX XXXXXXXX. When I said no, they said my account was under suspicion of being defrauded by upper management at CHASE. They told me it was necessary for me to go to the bank, withdraw funds right away and assist in the investigation. 

The method worked in the following manner : They would call me from a CHASE number, asked me to withdraw cash, go right back to a drive-through bank teller at CHASE, and insert the cash right back into a digital card. The digital card they provided me had my name, the CHASE debit card design. They confirmed that once I would transfer the totality, I would get access to my funds once again. 

This went on for a stretch of time and ended on XX/XX/year>. During that stretch of time, I had grown suspicious, had contacted CHASE fraud department, and the number somehow got routed back to the perpetrator. Furthermore, I asked to verify various security protocols- my social security #, my privacy questions, DOB, they had all the information at hand. The perpetrators could transfer funds in and out of my account in real time. When I would withdraw the actual cash, they were able to 'freeze ' the cash debits I would do in real time and not have it reflected in my account. For example, I would withdraw {$25000.00} but it wouldn't show on my phone application. This was another method they confirmed that they were actually CHASE and that they were the ones doing this investigation. By the time I caught on to it, I contacted CHASE, and they said there was nothing I could do. I took screen shots of all that took place, the debit cards, the phone numbers, and even recorded one of the conversations. 

I lost a total of over {$190000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: OR

Complaint narrative:
XXXX XXXX, never received. 
XXXX XXXX have. 
XXXX colors XXXX never received. 
XXXX XXXX never received.

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