vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/XXXX my chime secured credit card was swiped at a XXXX XXXX  in XXXX for {$1800.00}. The purchase was not made by me. When I noticed it on XX/XX/XXXX I called immediately to file a dispute. Two of my other cards were also swiped illegally and I advised them of that. They couldnt offer a provisional credit and advised me to wait until the dispute was resolved. On XX/XX/XXXX I received an email stating my claim was denied. I immediately called to speak to someone. They told me they cant provide any information into what matters they used to determine this decision and couldnt tell me how they looked into this either. I asked for the dispute to be reopened and they told me they couldnt unless I had new information to add.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CL Holdings LLC
State: CA

Complaint narrative:
I filed a dispute with XXXX regarding an account that was supposed to be removed from my credit report following an agreement with the reporting company, Jefferson Capital, as per their instructions. In XX/XX/XXXX, I received a letter from Jefferson Capital stating that if I surrendered my car, they would remove the associated debt from my credit report. 

I followed their instructions and surrendered the vehicle. However, XXXX XXXX failed to retrieve the vehicle, and by the end of XX/XX/XXXX, the car was towed by the city police. I promptly informed Jefferson Capital in XX/XX/XXXX, providing evidence of the vehicles tow and storage. Despite this, Jefferson Capital insisted that I was responsible for the impound fees, and they did not take responsibility for the failure to retrieve the vehicle, even though they had ample time to do so.

I have video proof showing consensual communication with representatives of Jefferson Capital, where they admitted to breaching their agreement. They confirmed that if I surrendered the car, they would remove the debt from my credit report. However, despite this acknowledgment, the account was not removed, and it continues to negatively affect my credit report in XXXX, contrary to the terms agreed upon. 

I filed a dispute with XXXX months ago, but as of now, they have not updated or removed the item from my credit report, despite the clear evidence of the breach of agreement. This unresolved issue is financially harming me, as the negative mark continues to impact my credit. 

I request that both XXXX and Jefferson Capital fulfill their obligations to remove this item from my credit report and correct the inaccurate reporting as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft and Lack of Legal Capacity ( FCRA 609, 611, 605B ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. This debt does not belong to me, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

Details of the Disputed Account : Creditor : [ Insert Creditor or Furnisher Name ] Account Number : [ Insert Account Number ] Date Opened : [ Insert Date, if available ] Amount : [ Insert Amount ] Credit Bureau Reporting : [ XXXX XXXX XXXX XXXX XXXX specify which ] Grounds for Dispute : Victim of Identity Theft ( FCRA 605B ) I did not authorize this account. I am a confirmed victim of identity theft. Per FCRA 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit file.

Lack of Legal Capacity Due to Severe Mental Illness During the time this account was allegedly opened, I was under documented treatment for severe mental illness and did not possess the legal capacity to enter into financial agreements. Any alleged debt obtained during this time was done without informed consent or legal capacity, rendering the account invalid and unenforceable. 

Violation of My Rights Under FCRA XXXX and XXXX I have not been provided with proper documentation or original signed agreements that prove I initiated this account. Under FCRA XXXX, I formally request that the furnisher and credit bureaus provide verifiable documentation with my signature proving liability. 

Americans with Disabilities Act ( ADA ) I am protected under the ADA due to my mental health condition. Continuing to report this fraudulent debt not only exacerbates my condition but may constitute discriminatory practices and cause irreparable harm.

Requested Action : Immediate removal of the disputed account from all credit reporting agencies.

An investigation by the furnisher and a response within the required 30-day period under FCRA 611 .

Written confirmation of the removal and a copy of my corrected credit report.

Attached are copies of my [ drivers license/state ID ], a police report or identity theft affidavit ( if available ), medical documentation ( optional ), and any correspondence from the creditor. 

Please take this matter seriously and respond swiftly. If this issue is not resolved, I will pursue further legal action through the appropriate channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I disputed inaccurate information on my credit reports with both XX/XX/XXXXand XX/XX/XXXX. Ive reached out by phone and email to gain access to my account to follow up, with these attempts I followed their dispute process, submitted the necessary documents, and provided clear explanations of the errors. However, despite my efforts, I either received no meaningful response, or the information was not corrected. 

Communication with XX/XX/XXXXand XX/XX/XXXXhas been extremely difficult. I havent been able to get clear answers or reach someone who can resolve the issue. Because of this, Ive decided to escalate the matter to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-05 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:
I filed a dispute on account XXXX, XXXX, XXXX, and XXXX due to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting / unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting housing. Experian violates my rights as a consumer, as well as federal laws.

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 2025-04-05 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:
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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

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 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft and Lack of Legal Capacity ( FCRA 609, 611, 605B ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. This debt does not belong to me, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

Details of the Disputed Account : Creditor : [ Insert Creditor or Furnisher Name ] Account Number : [ Insert Account Number ] Date Opened : [ Insert Date, if available ] Amount : [ Insert Amount ] Credit Bureau Reporting : [ XXXX / XXXX XXXX XXXX specify which ] Grounds for Dispute : Victim of Identity Theft ( FCRA 605B ) I did not authorize this account. I am a confirmed victim of identity theft. Per FCRA 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit file.

Lack of Legal Capacity Due to Severe Mental Illness During the time this account was allegedly opened, I was under documented treatment for severe mental illness and did not possess the legal capacity to enter into financial agreements. Any alleged debt obtained during this time was done without informed consent or legal capacity, rendering the account invalid and unenforceable. 

Violation of My Rights Under FCRA 604 and 609 I have not been provided with proper documentation or original signed agreements that prove I initiated this account. Under FCRA 609, I formally request that the furnisher and credit bureaus provide verifiable documentation with my signature proving liability.

Americans with Disabilities Act ( ADA ) I am protected under the ADA due to my mental health condition. Continuing to report this fraudulent debt not only exacerbates my condition but may constitute discriminatory practices and cause irreparable harm.

Requested Action : Immediate removal of the disputed account from all credit reporting agencies.

An investigation by the furnisher and a response within the required 30-day period under FCRA 611 . 

Written confirmation of the removal and a copy of my corrected credit report. 

Attached are copies of my [ drivers license/state ID ], a police report or identity theft affidavit ( if available ), medical documentation ( optional ), and any correspondence from the creditor. 

Please take this matter seriously and respond swiftly. If this issue is not resolved, I will pursue further legal action through the appropriate channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
Transunion contact my credit account from XXXX and closed the account. I do not know what let to this but a third party is not to make decisions on my business specially when authorized. TransUnion was contacted to resolve a credit report discrepancy not to contact my creditors and ask to close my accounts.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OH

Complaint narrative:
There were 14 fraudulent transactions on my account. I filed a dispute and was given a provisional credit. After I filed the dispute the company where the fraud was made refunded the money. KeyBank closed the dispute and removed the provisional credits. Someone at the bank then manually duplicated 5 additional transactions. Removing a total of 19. Debiting my account removing more than {$700.00} that was not a part of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 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: OK

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-04-05 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : FIRST CENTRAL CREDIT U XX/XX/year> Experian

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