vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: MN

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a re investigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MN

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a re investigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-11-07 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:
CFPB Complaint Narrative Credit Reporting Dispute Since XX/XX/XXXX, inaccurate and unauthorized information has appeared on my credit reports, including fraudulent accounts, charge-offs, and multiple unauthorized credit inquiries. Over time, these errors have expanded, causing significant damage to my credit profile despite repeated efforts to correct them through the proper dispute process.

The inaccurate information includes charged-off and collection accounts reported by XXXX XXXX ( opened XX/XX/XXXX ), XXXX  XXXX XXXX XXXX ( opened XX/XX/XXXX ), multiple XXXX XXXX XXXX accounts ( XXXX and XXXX ), and XXXX ( opened XX/XX/XXXX ). Several of these were either closed years ago, settled, or never authorized in the first place. Despite this, they continue to be reported as charged off, derogatory, or in collections.

In addition, nine unauthorized hard inquiries were recorded between XX/XX/XXXX and XX/XX/XXXX, by companies such as XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX. These inquiries were made without my consent or any application for new credit.

I have submitted multiple formal disputes with all three credit bureausExperian, Equifax, and
TransUnionbetween XX/XX/XXXX and XX/XX/XXXX, attaching an FTC Identity Theft Report, a police report, and valid identification. Despite these submissions, the bureaus have failed to permanently block or delete the fraudulent and unverifiable information as required by FCRA 605B ( identity theft blocking ) and FCRA 611 ( reinvestigation ).

The bureaus have also continued to list a bankruptcy record from XXXX, even though I have requested verification from the original court records and have not been provided any documentation bearing my authentic signature.

No bureau has produced verifiable documentation ( such as signed applications, IP logs, or authorization records ) to substantiate the accounts or inquiries in question. The continued reporting of these items constitutes inaccurate and unverifiable data under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I am requesting that the CFPB require the credit reporting agencies and furnishers involved to : Conduct a complete reinvestigation of all disputed items dating back to XXXX ; Delete or block all fraudulent, closed, or unverifiable accounts and inquiries ; and Provide written confirmation that my credit reports have been corrected across all three major bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
CFPB Complaint Narrative Credit Reporting Dispute Since XX/XX/XXXX, inaccurate and unauthorized information has appeared on my credit reports, including fraudulent accounts, charge-offs, and multiple unauthorized credit inquiries. Over time, these errors have expanded, causing significant damage to my credit profile despite repeated efforts to correct them through the proper dispute process.

The inaccurate information includes charged-off and collection accounts reported by XXXX XXXX ( opened XX/XX/XXXX ), XXXX  XXXX XXXX XXXX ( opened XX/XX/XXXX ), multiple XXXX XXXX XXXX accounts ( XXXX and XXXX ), and XXXX ( opened XX/XX/XXXX ). Several of these were either closed years ago, settled, or never authorized in the first place. Despite this, they continue to be reported as charged off, derogatory, or in collections.

In addition, nine unauthorized hard inquiries were recorded between XX/XX/XXXX and XX/XX/XXXX, by companies such as XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX. These inquiries were made without my consent or any application for new credit.

I have submitted multiple formal disputes with all three credit bureausExperian, Equifax, and
TransUnionbetween XX/XX/XXXX and XX/XX/XXXX, attaching an FTC Identity Theft Report, a police report, and valid identification. Despite these submissions, the bureaus have failed to permanently block or delete the fraudulent and unverifiable information as required by FCRA 605B ( identity theft blocking ) and FCRA 611 ( reinvestigation ).

The bureaus have also continued to list a bankruptcy record from XXXX, even though I have requested verification from the original court records and have not been provided any documentation bearing my authentic signature.

No bureau has produced verifiable documentation ( such as signed applications, IP logs, or authorization records ) to substantiate the accounts or inquiries in question. The continued reporting of these items constitutes inaccurate and unverifiable data under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I am requesting that the CFPB require the credit reporting agencies and furnishers involved to : Conduct a complete reinvestigation of all disputed items dating back to XXXX ; Delete or block all fraudulent, closed, or unverifiable accounts and inquiries ; and Provide written confirmation that my credit reports have been corrected across all three major bureaus.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank has restricted my account and locked me out of online banking. They claim my financial aid deposit ( which was available ) was not available when I made a rent payment. However, I had enough money in my account to cover the payment without my deposit being credited. They also withheld my work check. Um a teacher and my check goes direct deposit. This has caused me to get a 3 day notice from my apartment. Missed my car and insurance payment and I have no access to my money for necessities or food. Please address my situation as soon as possible. They are doing illegal business at chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
This is another collection attempt from a situation I already resolved from another collection agency. 

In XX/XX/year>, I bought a house and moved in, and got XXXX XXXX XXXX internet with it. I was asked by the technician if I wanted a new phone. XXXX sent a phone, the first phone sent never arrived because XXXX reported it as damaged. Thus, the technician drove to my house, took my trade-in phone, and gave me a phone. I don't know what these constant, harassing attempts to contact me are on about, but it has been mentally frightening. This has been non-stop since XX/XX/year>. The first XXXX times I got reached out to with either email or physical mail about this, I reached out to XXXX XXXX XXXX customer support to ask about this situation. Each time, they said there was nothing on the account saying I owed any money or a returned item. When these scam emails then started to say my account would be closed, credit hurt, etc, I called XXXX XXXX XXXX  again. My account has never had an outstanding balance on it from this " scenario. '' I am at a loss for words on what I can do at this point. XXXX XXXX XXXX customer support has repeatedly reiterated to me there is no outstanding balance, and the source of these emails and messages come from email addresses that don't align with normal communications from XXXX XXXX XXXX. I am 100 % happy to cooperate, but this is becoming mentally and emotionally taxing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am resubmitting my complaint regarding a Capital One credit card account that I did not open or use. Capital Ones previous response was incorrect because I was incarcerated at the time the account was allegedly opened and used. I now have new evidence proving I could not have completed the online application, phone calls, or electronic payments they claimed were made by me. 

New Evidence Provided : Official incarceration documents showing I have been incarcerated continuously since XXXX. 
Sentence computation/monitor sheets confirming my physical custody during all of XXXX. 
Furlough and judgment papers verifying I could not have accessed a phone, mail, or internet to open or manage a credit account. 

Why XXXX Ones response is incorrect : They claim the account was opened online in XX/XX/XXXX. I was incarcerated and had no internet access. 
They claim I made calls to them in XX/XX/XXXX. I could not make outside personal calls like that. 
They claim an electronic payment was made in XX/XX/XXXX. I could not conduct online payments. 
The address and phone numbers they listed do not belong to me. 
Any match of name or birthdate does not mean I opened the accountmy identity was used while I was incarcerated. 

What I am requesting : Please require Capital One to provide proof of the alleged calls, payment details, and online-application logs. Because I was incarcerated during all alleged activity, I am requesting that this account be removed from all credit bureaus. 

I have attached documentation proving my incarceration at the time of all activity. This evidence was not included in the previous case and clearly shows I could not have opened or used this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My name is XXXX XXXX, and my PayPal username is @ XXXX. The email linked to my account is XXXX. 

I believe I have never violated any of PayPals community guidelines. However, on XX/XX/XXXX, I received an email from PayPal asking me to upload certain documents to remove a limitation on my account. 

When I tried to log in, I found that I couldnt access my account not with my email, username, or phone number. I also tried to reset my password, but I got the message Check your info and try again. It seems like my account may have been deleted or removed since PayPal now says theres no such account.

I would like to restore access to my account so I can log in again normally. I also tried to contact customer support for help, but the website requires me to log in to send a message which I currently can not do.

I would really appreciate your help in recovering my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist paid multiple fraudulent checks from my business account totaling over {$25000.00}. 

Several checks were paid twice, and others were processed using altered or out-of-sequence check numbers, including check numbers that were never issued. 

Truist failed to detect duplicate presentment or check sequence irregularities, which is a UCC 4-406 breach of ordinary care. 

When I reported the matter to Truist XXXX the representative implied that I was involved in defrauding my own account. This accusation is false, unprofessional, and unacceptable. 

I attempted to escalate to the Truist XXXX XXXX. However, all published escalation email addresses returned XXXX XXXX User Unknown errors, and the Truist XXXX XXXX page produced a XXXX error, making escalation internally impossible. 

Claim Number : XXXX I have been a business customer for nearly 10 years.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Bank would not give me my money because I would not answer a personal question and then closed my 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 2025-11-07 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: FL

Complaint narrative:
My XXXX XXXX were involved in a fraudulent loan law suit and were paid off in XXXX  showing a XXXX XXXX  balance and closed account and the account keeps showing up on my credit report in different account names

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 2025-11-07 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: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
I have disputed this alleged debt with Midland Credit Management on more than XXXX separate occasions. The debt in question originated under my former business, which closed in 2021. I have repeatedly requested proper validation specifically an original account-level statement from XXXXXXXX XXXX XXXX XXXXXXXX XXXX showing actual purchase transactions and confirming that I personally guaranteed the account. 

XXXX has failed to provide any such documentation. Instead, they sent internally generated summaries that contained only interest and late-fee entries and appeared to have been modified to show my personal name and address. These documents do not establish that I am personally liable for the business account. 

Despite failing to validate the debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), XXXX has now forwarded this matter to a law firm, XXXX XXXX XXXX, to pursue legal collection action. I view this as continued collection activity on an unverified debt, in direct violation of federal law. 

I am requesting that XXXX immediately provide full verification as required by law including original documentation from XXXXXXXX XXXX XXXX XXXXXXXX XXXX showing actual transactions and any personal guarantee or remove this account from all consumer credit reports and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Last month i try to lease a car with mercedes benz financial services, i got decline application and in the dealership, XXXX XXXX XXXX, they told me you are in a blacklist with a Mercedes-Benz financial services , I reach out to Mercedes-Benz financial services and over there. They told me we dont have any problem with you and I did three-way call with the dealership and Mercedes-Benz financial services over there . They talk to each other and blame each other. They dont want to give me the car Mercedes-Benz financial services blame to dealership and dealership blame to Mercedes-Benz financial services right now . I dont understand whos fault is that and right now I wont immediately to be removed from Mercedes-Benz financial services blacklist because I never was associated with the Mercedes-Benz financial services . I never had a least car under my name and I never had any loan with Mercedes-Benz financial services so right now I dont know why they put my name in the Blacklist. I dont want to wait XXXX  days because in the dealership they told me you can sell your car and we will give you the car XXXX XXXX XXXX I sold my car right now. They left me without car and I can do my job properly.!!!! it is my second time XXXX filling up a complaint the first XXXX it was more than XXXX  days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MI

Complaint narrative:
My account was closed with the original credit card company without my knowledge and I began receiving harassing phone calls from a third party collection company named XXXX during my work hours and outside of normal business hours. I also received constant emails flooding my inbox about this matter that was resolved with the original creditor. My personal private information has been sold which violates my right to privacy between me and the original creditor which was XXXX XXXX  and this equates to data brokering of my private protected personal information. This has effected my credit report and has caused me to be harmed as a consumer from a credit card company and caused my credit score to be impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MI

Complaint narrative:
My account was closed with the original credit card company without my knowledge and I began receiving harassing phone calls from a third party collection company named XXXX during my work hours and outside of normal business hours. I also received constant emails flooding my inbox about this matter that was resolved with the original creditor. My personal private information has been sold which violates my right to privacy between me and the original creditor which was XXXX XXXX  and this equates to data brokering of my private protected personal information. This has effected my credit report and has caused me to be harmed as a consumer from a credit card company and caused my credit score to be impacted.

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 2025-11-07 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: MI

Complaint narrative:
My account was closed with the original credit card company without my knowledge and I began receiving harassing phone calls from a third party collection company named XXXX during my work hours and outside of normal business hours. I also received constant emails flooding my inbox about this matter that was resolved with the original creditor. My personal private information has been sold which violates my right to privacy between me and the original creditor which was XXXX XXXX  and this equates to data brokering of my private protected personal information. This has effected my credit report and has caused me to be harmed as a consumer from a credit card company and caused my credit score to be impacted.

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