vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: MS

Complaint narrative:
b'Complainant Information\nNameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name (Respondent): XXXX XXXXIssue: Credit reporting company failed to remove fraudulent information\nDate Problem First Occurred: XXXX XXXXnComplaint Details:\n\nI am filing this formal complaint under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, specifically citing violations of Section 605B (15 U.S.C. 1681c-2) which provides protection for identity theft victims.\n\nI am a victim of identity theft, and I have already submitted a valid FTC Identity Theft Report (Report XXXX), along with copies of my government-issued ID and proof of address to XXXX. I included a detailed dispute listing the fraudulent accounts and inquiries that were never authorized by me.\n\nDespite providing all documentation required under the law, XXXX  has failed to block or remove the following items from my credit file:\n\n Fraudulent Hard Inquiries:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThese items are causing harm to my credit and are in clear violation of my rights under 15 U.S.C. 1681c-2, which mandates that a credit reporting agency must block fraudulent information within 4 business days after receiving:\n\t1.\tA valid Identity Theft Report,\n\t2.\tProof of identity,\n\t3.\tA list of disputed accounts, and\n\t4.\tA statement that the data is not mine.\n\nI have complied fully with all of these requirements. XXXX failure to act is not only a breach of their duty under federal law but is also causing me continued financial and reputational harm.\n\nRequested Resolution:\n\t\tImmediate removal of all fraudulent inquiries and accounts associated with identity theft\n\t\tAn updated copy of my corrected credit report\n\t\tFull compliance with the FCRA (15 U.S.C. 1681c-2)\n\nI am requesting the CFPB to investigate this matter and enforce XXXX compliance with federal law. If necessary, I am prepared to take legal action to seek damages for willful noncompliance under 15 U.S.C. 1681n.'

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I requested that the account be closed then I saw a deposit go into my account that was unfamiliar the next day so I disputed it the representative told me the deposit was for a XXXX XXXX XXXX my name is XXXX XXXX XXXX but on my account its XXXX XXXX which means it dont match who I am I went into the branch prior to this to withdrawal my own money and the teller refused to service me because my drivers License say XXXX XXXX so its illegal for them to accept the funds in someone elses name especially if Im telling them I have no children the payment came from child support which I dont receive because I have no children when I disputed the deposit the representative told me the funds would be reversed the next day or within 24 hours then I get a phone call saying I have to put money in the account for them to return the money to the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.

Complaint narrative:
Ive Ive been paying citi card for about two to three years and my payments never seems to be going down.

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 2025-07-19 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: LA

Complaint narrative:
I am formally requesting, under my rights granted by the Fair Credit Reporting Act ( FCRA 609 ( a ) ) and Uniform Commercial Code ( UCC 1-308 ), that you validate the accuracy, ownership, and reporting authority of the account you have listed on my credit report. 

You are hereby requested to provide : XXXX. A signed contract or agreement bearing my signature that proves this account legally belongs to me. 
XXXX. A full itemized breakdown of the alleged debt and the manner in which it was calculated. 
XXXX. The name and address of the original creditor, and documentation showing proper chain of custody/assignment if applicable. 

If you are unable to validate the debt with a signed contract or verifiable documentation, you are required by law to remove the account from my credit reports with all three major credit bureaus ( XXXX XXXX XXXX XXXX ) immediately. 

Please note that continuing to report unverifiable or inaccurate information violates the FCRA and may also be a violation of the FDCPA and other applicable laws. 

You have 30 days to respond from the date of receipt of this letter. Failure to do so will result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

This letter serves as my official dispute and debt validation request. I reserve all rights under UCC 1-308 without prejudice.

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 2025-07-19 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
Aargon agency account XXXX validation of the debt. According to the fcra section 1681i it's illegal to report anything on my credit report without my permission the information you are reporting on my credit is inaccurate please remove this negative item 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 2025-07-19 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: U.S. BANCORP
State: KY

Complaint narrative:
An account was opened at XXXX XXXX XXXX  by myself that was hacked into and that I now believe was the result of an online scam. I was the victim of this scam and did not knowingly authorize or initiate fraudulent activity. Despite this, XXXX XXXX Bank has accused me of account abuse and is holding me responsible for an overdraft in the amount of {$530.00}. Also, US Bank has an overdraft account of over {$1000.00} that was fraudulently reported that also needs to be taken care of. 

I have taken the following actions : I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) to document the incident and protect myself.

I have attempted to explain the situation to Farmers National Bank and clarify that I was not responsible for the fraudulent activity that led to the overdraft.

This situation is a result of identity theft or an online scam, and I am seeking for this matter to be fully investigated and resolved fairly. I should not be held liable for activity I did not authorize or benefit from.

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 2025-07-19 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:
15 U.S.C. 7001 ( c ) ( ESIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) The presence of the inaccuracy due to Equifax and XXXX Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. XXXX XXXX has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about XXXX XXXX compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My information was involved in a data breach The XXXX XXXX Data leak law 15 USC 1681C 2. This affected my credit cards bank even accounts I was unaware of This is a form of dispute and request to immediately blocking fraudulent unauthorized leaked information from my credit report The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account was hacked three times in one week

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I disputed the following account on my credit Report XXXX Account # XXXX XXXX ) Debt was sold to to third [ arty creditor is being collector therefore the balance being shown is incorrect. 

XXXX ) The account was reported numerous months therefore re-aging the account. 

XXXX ) A settlement offer was reached on the account. This information was shown on the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AZ

Complaint narrative:
I disputed the following account on my credit Report XXXX Account # XXXX XXXX ) Debt was sold to to third [ arty creditor is being collector therefore the balance being shown is incorrect. 

XXXX ) The account was reported numerous months therefore re-aging the account. 

XXXX ) A settlement offer was reached on the account. This information was shown on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint after discovering that my information I am not happy with this matter as it has damaged my reputation, personal credit report, personal information, etc. I reviewed my credit report and noticed the following fraudulent accounts that were not done by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: TN

Complaint narrative:
On XX/XX/year> I opened an email saying I was offered a {$500.00} loan. It turned out the interest rates were illegally high after I called after making biweekly payments of {$150.00}. They still expecting me to payback {$2700.00}. 
Which is illegal and insane. How is this company operating illegally like this. This loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Fraudulent Accounts on My Credit Report Dear [ Credit Bureau Name XXXX, I am writing to formally dispute certain accounts listed on my credit report that I believe are fraudulent. These accounts were not opened by me and are not authorized. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information in my credit report. 

The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XX/XX/year> I have attached copies of my identification and any relevant documents that support my claim, including any reports of identity theft if applicable. I also recommend that you check with the creditors listed above for verification, as I did not authorize these accounts. 

Please investigate these fraudulent accounts and remove them from my credit report as required by law. I request that you provide me with a written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
I reached out to tell them it was fraud on XX/XX/XXXX it was removed as of XX/XX/XXXX they put it back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I asked for how many payments I made towards the forgiveness PAYE and I was told that I would have this by XXXX of XXXX .. adding what went towards the payments. I never received a reply I did get a pay history? I don't know how to read that. All I want is a total. I originally borrowed XXXX and this balance is way over XXXX. I get almost XXXX added per month. I don't even make this kind of money. MaybXXXX XXXX and XXXX was telling me oh this is worth it but this loan will never go down... each month it goes up no matter what I pay. XXXX interest on this .. and I have no specifics on how this is being paid and how many payments were made? Starting in XXXX. I need help with this and explanations!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi, This is a Bloomingdales Credit Card The credit Card Number is XXXX. 
My card was stolen on XX/XX/year>. The thief used my card in XXXX XXXX, he also used the other cards in various places. I had filed a police report in XXXX Police Station, after two months of investigation the thiefs are caught and charged. Every other credit card company has accepted the details and have dropped those charges from my credit card except this card. 

Details are Post Date XX/XX/year> Reference Number XXXX Amount XXXX. 
The credit card company keeps on adding charges and has caused harassment. The have given me no email id where i can report this. My credit report is getting affected by this.

Police details can be got my contacting her. 
" 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 monetary relief
Consumer complaint received 2025-07-19 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: MS

Complaint narrative:
I am submitting a dispute against TransUnion and XXXX  regarding two collections accounts XXXX XXXX XXXX and XXXX XXXX XXXX appearing on my credit file, incorrectly listed as open accounts with balances. This represents a violation of the Fair Credit Reporting Act, infringing upon my rights as outlined in 15 USC 1681, section 6 o 2, which safeguards my right to privacy. Also, 15 USC 1681, section 6 0 4 A, section 2 stipulates that consumer reporting agencies must secure my written permission before furnishing accounts. Moreover, 15 USCS 1666b prohibits creditors

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
I moved out on XX/XX/XXXX, but a {$4500.00} debt was reported to my credit with a false XX/XX/XXXX date. The breakdown includes inflated charges, rounded fees, and amounts that contradict my final utility bill. I requested validation on XX/XX/XXXX and received no response. I previously disputed this twice via XXXX XXXX. The company never sent a proper itemized list within 45 days, which violates VA Code 55.1-1226 ( C ). This debt is blocking me from using my housing voucher, and I am currently homeless as a result.

Company response to consumer: Closed with explanation