vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Phone calls daily from XX/XX/XXXX XXXX, XXXX. Was trying to solicit information. Asked them to not call. After blocking one number they would call from another number. 

Transworld collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 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 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 2025-06-21 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: PA

Complaint narrative:
I am submitting this complaint due to the failure of Equifax, Experian, and XXXX  to adequately investigate the disputes I have submitted regarding inaccurate negative information on my credit report. These incorrect entries have negatively impacted my credit score and hindered my ability to secure credit, resulting in considerable stress and financial difficulty.

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 2025-06-21 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: PA

Complaint narrative:
I am writin to request the removal of certain inforation from my file. The items I wuld like to see removd are outlined in the atached report. As I am a victim of identity theft, I did not approve the charge in question. Please remove these items, therefore, to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission, and I hav included copies of their Identity Theft Affidavit for your information. Please go ahead with the removal of these items at your earlist convnience.

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 2025-06-21 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: PA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting XXXX XXXX accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNT : Account Name : XXXX XXXX # XXXX * * * * Date

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 2025-06-21 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 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding Ally Banks delay in reporting an updated credit card balance to the credit bureaus, despite a large payment being posted to my account. 

On XX/XX/year>, I made a payment of {$1500.00} to my Ally credit card account. This payment has posted to my account and significantly lowered my balance. However, the updated balance is not yet reflected on my credit report, and Ally has not submitted an off-cycle update despite my request. 

This failure to update my account inaccurately reflects my credit utilization ratio, which can negatively impact my credit score.

I am requesting that the CFPB assist in having Ally Bank submit an off-cycle update to all three credit bureausXXXX XXXX XXXX XXXX reflect my accurate current balance and ensure fair and timely credit reporting. 

Attached are : A copy of my payment confirmation A screenshot showing the updated balance on my account Please assist in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Kohls Capital One is reporting improper information to my credit reports .. The information being reported is that I was late more than 90 days 15 times and that's simply not true .. This account was open just about a year so that isn't correct..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I am filing this complaint due to the failure of the credit bureaus to properly investigate the disputes I have submitted regarding inaccurate and negative information on my credit report. These reporting errors have adversely affected my credit score and limited my access to credit, resulting in significant stress and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Subject : Cease and Desist Fraudulent Activity and Improper Credit Reporting To Whom It May Concern, This letter serves as formal notice demanding that Advantage XXXX XXXX XXXX immediately cease and desist from illegally adding remark codes, increasing loan interest rates, and submitting improper credit reporting on my student loan account. 

It has come to my attention, with supporting documentation, that fraudulent activity is taking place concerning my student loan records. There is substantial evidence indicating that my account has been compromised by a criminal fraud ring engaged in identity theft and other financial crimes. This includes unauthorized access and manipulation of loan data. 

Your organizations involvement in these fraudulent practicesparticularly the arbitrary addition of interest and remark codesappears to be an attempt to frame borrowers for fraud actually committed internally or in collaboration with external criminal entities. It is deeply concerning that such misconduct is being normalized under the guise of legislative backing, when in fact it violates consumer rights and financial integrity standards. 

I demand that you : XXXX. Immediately cease all unauthorized increases in interest rates. 
XXXX. Remove all fraudulent remark codes that have been added to my account. 
XXXX. Stop all false, negative, or retaliatory credit reporting. 
XXXX. Fully investigate the breach and identity theft associated with my account. 

Let this serve as notice that I am documenting all activity and communications related to your agency. If this misconduct continues, I will pursue all available legal remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state and federal law enforcement agencies. Criminal penalties for knowingly submitting false or fraudulent information under federal law ( e.g., 18 U.S. Code 1028A Aggravated Identity Theft ; 18 U.S. Code 1343 Wire Fraud ) may result in imprisonment and heavy fines for individuals involved.

This fraudulent conduct is unacceptable, and I will not allow Advantage XXXX XXXX XXXX to continue participating in any criminal behavior that damages my financial reputation and legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Subject : Notice of Inaccurate Reporting - Request for Immediate Deletion To whom it may concern, I am formally disputing the accuracy of the collection account reported by [ XXXX XXXX ] on my credit file. The alleged debt is not mine, is inaccurately reported, or lacks proper validation.

Under FCRA 609 & 623, I request complete documentation proving : 1. Signed agreement/contract with original creditor 2. Complete payment history and charge-off details 3. Proof of legal ownership and assignment of the debt Until verified, I demand deletion. If the account is not validated within 30 days, I will escalate to the CFPB and file a formal complaint for FCRA violations. 

Sincerely, XXXX XXXX XXXX + last XXXX of social XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
This was a lease vehicle and the lease was completed and vehicle returned. Toyota is billing me for the residual amount and has placed the balance on my credit as a delinquent unpaid balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have an unauthorized inquiry on my XXXX credit report for Navy Federal Credit Union, dated XX/XX/year>. I need to have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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 gotten access to my credit report and saw so many fraudulent accounts dating overly years back, they are damaging to my background and I am demanding for deleting

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime has denied many transactions that I did not make. They total over {$500.00}. They said I had to send in documentation about the fraudulent transfers. How can you submit documentation on something you know nothing about. I did send a letter as documentation stating that I did not authorize these transactions, but they denied them a second time. The transactions are as follows : XX/XX/XXXX {$33.00} to XXXX XXXX XXXX transfer XX/XX/XXXX {$170.00} to XXXXXXXX XXXX XXXX anyone transfer XX/XX/XXXX {$120.00} to XXXX XXXX XXXX anyone transfer XX/XX/XXXX {$25.00} to XXXX XXXX XXXX anyone transfer XX/XX/XXXX {$32.00} to XXXXXXXX XXXX XXXX anyone transfer XX/XX/XXXX {$15.00} to XXXXXXXX XXXX XXXX  anyone transfer XX/XX/XXXX {$50.00} to XXXX XXXX XXXX anyone transfer XX/XX/XXXX {$100.00} to XXXX XXXX XXXX anyone transfer I have appealed these and done all I can do. I want my money back immediately. I do not know any of these people. 


I also received an email yesterday that my XXXX has been suspended due to suspicious activity. I think all of this is related.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX  of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX - Account opened in my name without my knowledge. 
XX/XX/XXXX evening received an email from life lock about account inquiry and approved for Capital One - XXXX 's account. 
XX/XX/XXXX at approx XXXX called capital one to report fraud XXXX XXXX account locked and investigation initiated XX/XX/XXXX at approx XXXX notified XXXX XXXX  not me requesting review or credit line, investigation opened. 
XX/XX/XXXX XXXX, attempted to file a police report however unable to completed that without location of application. 
XX/XX/XXXX XXXX, called capital one XXXX transferred me to XXXX in the fraud department who validated my identity for security. He indicated that I needed to either mail or fax my request for application details with a copy of my SSC and driver license. I expressed my concern about sending such documents. He indicated there was not a customer portal or link that could assist me. He indicated that a police report was optional and they would do their own investigation. I let him know that given my current situation I understand he is doing his job but I wanted to be on record for expressing my concern with their policy. Call ended. 
XX/XX/XXXX XXXX Contacted XXXX XXXX XXXX XXXX XXXX XXXX to freeze my accounts. 
XX/XX/XXXX local PD XXXX, recommended filing report with US Fed Trade Commission since I do not have the information nor could I get access to the information without following Capital Ones policy for request of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My chime account was closed without my knowledge.Due to suspicious fraudulent activities, they say, but no one called or contacted me to confirm, as i was making the transaction They close my account, i have no access to my account or money and they owe me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and want release it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Attempted to register a new account to the portal and I receive the same error message each time. Applies to the App and also to the PC. Attempts were over various days, over a two week period. When I call customer service I can not understand the representatives. Each representative has a heavy foreign accent that I can not understand. My issue goes unresolved as I can not understand the representative.

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