vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
QWR DVR to disclose the name of the bank where attached checks are deposited by Servicer/Debt Collector Fifth Third Bank . 
5/3 Bank is renting XXXX XXXX XXXXXXXX at XXXX central post office where I send my checks. Thus, 5/3 is a part of servicing and debt collection team acting as a Servicer under RESPA and Debt collector under FDCPA and must response this Complaint and QWR/DVR. Based on attached checks, they were processed by Firth Third bank and deposited on the account opened under name of unrelated to me parties- XXXX XXXX XXXX XXXX XXXX. As the result, it appears that all my payments disappeared and not received by the intended party who claimed that they did not received my payments from Servicer/Debt Collector 5/3 bank.

Please provide me the name of the BANK where my payments are deposited under name of XXXX XXXX XXXX XXXX. Please provide me the name of 5/3 bank authorized employee who has personal knowledge about collection and distribution of my money from XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: FL

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 2025-07-20 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-20 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: FL

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 2025-07-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear [ XXXX  / Experian / XXXX  ], I am writing to formally dispute inaccurate information contained in my credit report. I have reviewed my credit file obtained through IdentityIQ and have identified accounts that I believe are being inaccurately reported. These errors are negatively affecting my credit score, and I respectfully request an investigation and immediate correction or removal of the following items : - XXXX. XXXX XXXX XXXX - Account # XXXX * Reported on : Experian and XXXX Dispute Reason : This collection account is inaccurately reported as opened on XX/XX/XXXX, with a balance of {$160.00}, and listed as Derogatory. However, this account appears to be reported with inconsistent payment histories and inaccurate dates that do not align with my actual activity. It is also unclear when the account became delinquent or if the debt is valid, as there is no original creditor documentation provided to support this collection. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify the accuracy of this item with the original creditor and provide me with supporting documentation, or remove the account entirely if such evidence can not be produced. 
- XXXX. XXXX XXXX - Account # XXXXXXXX XXXX  Reported on : XXXX, Experian, XXXX  Dispute Reason : This account is reported as charged off with a past due balance of {$190.00} and has an inconsistent payment history across all three credit bureaus. The account was reportedly last active in XXXX, but was still updated in XXXX, which raises questions about the accuracy and timeliness of the reporting. 
I have not received any recent correspondence or billing related to this account. If this charge-off is valid, I am requesting a detailed payment history and original creditor documentation to validate this debt. Otherwise, I respectfully request its removal for lack of verified and accurate reporting. 
- Please reinvestigate these items and provide me with a written summary of your findings. In accordance with the FCRA, if the information is found to be unverifiable, it must be deleted from my credit file. 
Enclosed are copies of my ID and a recent utility bill to verify my identity. I appreciate your prompt attention to this matter and expect a response within the 30-day time period provided by federal law. 
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 explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got this chase card on XXXX I have made a big effort on trying to keep up with these payments and Im no longer being able to keep them up. I e been paying for the last 3 years and still havent been able to pay of the balance of {$1600.00}! The interest rate are too high and I just cant afford to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing to dispute the accuracy of the account reported under [ XXXX XXXX ]. Upon reviewing my credit report, I have identified several inconsistencies and inaccuracies that are in violation of the Fair Credit Reporting Act : The payment history differs across credit bureaus for the same time period.

One report shows a credit limit of {$0.00} while showing usage over {$1500.00}. 
Dates last reported and opened do not match across bureaus. 
The account is paid/closed, yet still reflects derogatory statuses. 
These inaccuracies create a misleading credit profile and must be corrected or removed immediately in compliance with FCRA 607 ( b ) and 611.

Please conduct a reinvestigation and provide written confirmation of the results. If this account can not be verified or corrected within the legal timeframe, I request its deletion from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Experian is reporting two XXXX XXXX accounts ( # XXXXXXXX XXXX  and # XXXXXXXX ) as charge-offs with balances of {$1700.00} and {$3600.00}. I have disputed these accounts multiple times, and Experian claims the information is verified, yet I have not been provided any documentation proving the debt, original contract, or date of delinquency. 

Under FCRA 611 and FDCPA 809, I am requesting that these unverifiable and potentially inaccurate entries be deleted or corrected immediately. Experian 's failure to investigate properly and XXXX XXXX 's failure to validate the debt violate my consumer rights. 

Please investigate and ensure these accounts are removed if they can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
Experian is reporting two XXXX XXXX accounts ( # XXXXXXXX XXXX  and # XXXXXXXX ) as charge-offs with balances of {$1700.00} and {$3600.00}. I have disputed these accounts multiple times, and Experian claims the information is verified, yet I have not been provided any documentation proving the debt, original contract, or date of delinquency. 

Under FCRA 611 and FDCPA 809, I am requesting that these unverifiable and potentially inaccurate entries be deleted or corrected immediately. Experian 's failure to investigate properly and XXXX XXXX 's failure to validate the debt violate my consumer rights. 

Please investigate and ensure these accounts are removed if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Acima Digital FKA SIMP. I looked at all three credit reporting agencies XXXX, XXXX, and XXXX  as of XXXX XXXX, and noticed that they are incomplete and not accurate. And according to the Fair Credit Reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$22000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting two XXXX XXXX accounts ( # XXXXXXXX XXXX  and # XXXXXXXX ) as charge-offs with balances of {$1700.00} and {$3600.00}. I have disputed these accounts multiple times, and Experian claims the information is verified, yet I have not been provided any documentation proving the debt, original contract, or date of delinquency. 

Under FCRA 611 and FDCPA 809, I am requesting that these unverifiable and potentially inaccurate entries be deleted or corrected immediately. Experian 's failure to investigate properly and XXXX XXXX 's failure to validate the debt violate my consumer rights. 

Please investigate and ensure these accounts are removed if they can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
Robinhood randomly flagged my account. They are now withholding over XXXX $ of my money. illegal activity!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a new account with Capital One. They want you to do paperless billing, fine. I made sure all notifications are setup. Today I logged into my account and it said I was late. Payment was apparently due XX/XX/XXXX. I have received no notification via email or in the app that it was late, NONE. The card company wants you to go digital yet they have no way to make a digital complaint? Only call with a XXXX minute expected wait time? Seems obvious this organization is not trying to make things easy for an honest consumer to get things right and are looking for ways to get interest payments!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable rein investigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The customer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues, such as failing to forward customer-provided evidence to furnishers accepting unreliable responsive and failing to adequately notify customers to dispute outcomes these failures align with my experience we experian has neither corrected nor removed disputed items despite the evidence provided causing on going harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's indication violates federal law in my right as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within XXXX days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: FL

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 2025-07-20 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: HW Holding, Inc
State: NC

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I looked at all three credit reporting agencies XXXX, XXXX, and XXXX  as of XXXX XXXX, and noticed that they are incomplete and not accurate. And according to the Fair Credit Reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
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 XXXXB 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 2025-07-20 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: NV

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 non-monetary relief