vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-01 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX was fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX  XXXX closed XXXX of my accounts due to fraud/identity theft, and all other creditors followed suit .. this particular account is chase/XXXX  account, balance is {$770.00}. I called them due to fraud and they sent me a new credit card, and the day i got the new card they closed the account. I sent them XXXX rounds of letters to verify the account, and even contacted them by telephone, and the csr said they closed the account due to other creditors closing their accounts on me .. she demanded i give permission to review my credit report, but I denied.. 
XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB XXXXXX/XX/XXXXfindings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for the XXXX XXXX credit card based on an advertised promotion that clearly promised XXXX bonus miles after meeting the spending requirement. The same promotion also showed in my online account after I was approved, confirming the XXXX miles offer. 

However, I only received XXXX bonus miles instead of the full XXXX. This is misleading and does not match the terms that were advertised at the time of my application. I met the required spending threshold, so I should have received the full XXXX miles as promised. 

I contacted customer service, but the issue has not been resolved. I am requesting that the financial institution honor the original offer and credit the missing XXXX miles to 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 non-monetary relief
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some discrepancies of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is vital that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. XX/XX/XXXX is not 100 % accurate. XX/XX/XXXX is not up to date. XX/XX/XXXX says Im 30 days late but does not reflect accurate on all the credit bureaus? XX/XX/XXXX says Im 30 days late on only one credit bureau? XXXX of XXXX is not fully accurate and XXXX of XXXX is not fully accurate. I would like this to be all resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NM

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC
State: IL

Complaint narrative:
To : Consumer Financial Protection Bureau Re : CFPB Case No. XXXX Selene XXXX XXXX  / Account No. XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiduciary for the SBA Network Irrevocable Trust and Beneficial Equitable Title Holder, submit this response to Selene XXXX XXXX XXXXXX/XX/XXXX letter to CFPB. 

1. 1099-C Discharge is IRS-Recognized and Controlling.

Selenes assertion that their records do not reflect that Selene issued a 1099-C is immaterial. The IRS Wage & Income Transcript confirms that a Form 1099-C was accepted and processed under my EIN/SSN, thereby extinguishing the alleged obligation by operation of federal tax law. See 26 U.S.C. 6050P and IRS Publication 4681 : a properly filed XXXX operates as cancellation of debt and creates a binding reporting requirement. Selenes refusal to acknowledge the discharge constitutes a false representation under 15 U.S.C. 1692e and failure to correct credit reporting under 15 U.S.C. 1681s-2.

2. Debt Already Extinguished Prior to Bankruptcy. 
The transcript date of XX/XX/XXXX confirms that the alleged mortgage obligation was cancelled long before the XXXX XXXXXXXX petition date ( XX/XX/XXXX ). XXXX continued reliance on a void obligation in XXXX  constitutes double recovery and fraud upon both this consumer and the XXXX  XXXX. 

XXXX. XXXXtanding and Servicing Authority Not Established.

Selene relies on a generic assignment of mortgage from XXXX. However, Selene has not produced : A verified chain of title showing continuous lawful transfer from Guaranteed Rate to XXXX XXXXSelene . 
Any evidence that Selene holds the underlying note as holder in due course under UCC 3-301.

Without standing, Selene is a mere debt collector which they themselves admit at the bottom of their pleadings ( This law firm is a debt collector ). 

4. Misleading Statements Regarding Obligation.

Selenes letter admits : This letter is not an attempt to collect a debt correspondence are for informational purposes only.

Yet in the same letter they insist the account is being serviced in accordance with the original agreement. This contradiction constitutes false, deceptive, or misleading representations under 15 U.S.C. 1692e and is actionable under FDCPA and CFPB regulations. 

5. Ongoing CFPB and Federal Violations.

Selenes refusal to acknowledge IRS-confirmed discharge, while continuing to report a balance to credit bureaus and service a void obligation, constitutes : Securities Fraud under 15 U.S.C. 77q, 78j ( as the mortgage was securitized under CUSIP 316389436 ).

False Credit Reporting under 15 U.S.C. 1681s-2.

Unfair/Deceptive Practices under 12 U.S.C. 5531 ( Dodd-Frank ).

XXXX  Fraud under 18 U.S.C. 157, since they knowingly misrepresent the account in an active federal XXXX  proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent XXXX  XXXX Account Reinserted Without Proper Notice To Whom It May Concern, I am writing to dispute and demand the permanent removal of the following fraudulent account that has been repeatedly reinserted onto my Experian, Equifax, and TransUnion credit reports, despite previous deletions : XXXX  XXXX Acct. No. : XXXX This account is not mine. I never applied for, opened, or authorized any account with XXXX XXXX. I am a verified identity theft victim, with supporting documentation including my FTC Identity Theft Affidavit and government-issued identification. 
Your reinsertion of this fraudulent account is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : FCRA 1681i ( a ) ( 5 ) ( B ) : Deleted accounts may not be reinserted unless the furnisher has certified the accuracy of the information, and you provide me written notice within five business days of reinsertion. I was not provided such notice.

FCRA 1681e ( b ) : You are required to ensure maximum possible accuracy in consumer reports. Reporting an account that was previously confirmed as fraudulent violates this obligation.

FCRA 1681c-2 ( FACTA ) : Requires blocking of all information that results from identity theft once an FTC Affidavit or police report is provided. This account qualifies and should have been permanently blocked. 
FCRA 616617 ( 15 U.S.C. 1681n1681o ) : Provide for civil liability for willful and negligent noncompliance with these provisions. 
The fact that this XXXX XXXX account continues to reappear while documented proof of fraud exists demonstrates serious flaws in your systems and processes, and unlawful disregard for federal law. 
I am demanding the immediate and permanent deletion of this XXXX XXXX account from my Experian, Equifax, and TransUnion credit reports, and written confirmation that it has been blocked from reinsertion. 
If this account is not permanently removed, I will escalate this matter to the CFPB, FTC, and my State Attorney General for enforcement action, including civil claims for damages under the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX  XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

XXXXXXXX XXXX XXXX XXXXXXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NJ

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as XXXX  XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report.

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed agreement or contract establishing my obligation to pay.

2. A full account history showing the original creditor, amount owed, and payment history.

3. Verification that you are legally authorized to collect this debt in my state.

4. Proof that the alleged debt has not been paid, settled, or discharged.

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company. 

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
XXXX XXXX and all other XXXX XXXX have removed credit acceptance from my credit. XXXX  will not remove it for some reason. Its already been proven to not to be accurate. Please remove it from my credit.

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 2025-10-01 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:
I am writing to formally report that I am a victim of identity theft.I did not authorize or participate in any of the fraudulent activities that have been conducted in my name, and I am requesting that this matter be investigated and that all fraudulent accounts, transactions, and inquiries the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX SVC XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-10-01 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: CA

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and relevant state consumer protection laws, I request an immediate investigation, correction, or deletion of the following items. I have no knowledge of or authorization for these accounts or inquiries. Reporting inaccurate information violates federal law, damages my credit, and affects my financial opportunities. 
XXXX XXXX XXXXXXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurately listed as having late payments. I have no record of opening or transacting on this account. Reporting false delinquencies is misleading, damages my credit, and constitutes noncompliance with FCRA 1681i ( a ) ( 1 ). I demand verification and correction or deletion of this account. 
XXXX XXXX High Balance : {$7600.00} Date Opened : XX/XX/XXXX Late Payment I have never been late on any payment for this account. Reporting inaccurate late payment history constitutes a violation of FCRA 1681i and 1681s-2 ( b ), and it misrepresents my financial responsibility. I demand prompt correction of this status to accurately reflect my payment history. 
I request that all above items be fully investigated, corrected, or deleted, and that I receive written confirmation of the results. I reserve all rights to escalate this complaint to federal and state regulators and to pursue legal remedies if these inaccuracies are not corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While reviewing my Equifax credit report, I noticed that it lists a former name as : XXXX XXXX XXXX This is inaccurate. My legal and correct name is XXXX XXXX, and I have never legally used the name XXXX XXXX XXXX. The inclusion of this incorrect former name is highly misleading and can create confusion with lenders, landlords, and other entities that rely on my credit report for verification purposes. Misreporting my identity in any form is a serious error that directly affects my credibility and financial reputation. 

Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that is inaccurate or can not be verified. Equifax is legally obligated to conduct a thorough reinvestigation and ensure that my report contains only accurate and verifiable personal information, in accordance with 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. Listing a false former name violates this standard and exposes me to potential harm in employment, credit, and housing decisions. 

This error has caused me significant frustration and concern. I feel misrepresented and unfairly judged whenever my credit file is reviewed by financial institutions or other entities. The presence of this inaccurate former name undermines my confidence in the accuracy of my entire credit report.

Company response to consumer: Closed with explanation