vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
I called to retrieve loan information from XXXX  after I saw an account listed on my credit report that I did not authorize. After providing a slew of my personal information to XXXX over the phone, they could not verify any accounts belonging to me such as the one listed on my credit report. I then submitted a " Contact Us '' request online via XXXX to report the unauthorized loan in my name. They asked for my personal information again and details about the loan. I can only see the first 4-6 digits of the loan ID. They have yet to respond to me providing my information. I filed a dispute with TransUnion on my credit report and they have deemed the XXXX Account valid and I do not agree with these dispute results. Over the last few months I have actively been working to improve my credit score and would not open an XXXX Account, this is not my XXXX  account and I suspect fraud and/or identity theft for this account being opened with some of my personal information. Please help!

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 2025-07-02 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PLAZA SERVIC regarding an account I have with them XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PLAZA SERVIC buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I had a Jet Blue card and decided to get a new card with better offers from Jet Blue. In XXXX of XXXX  I went through the process of filling out the required paperwork to receive a new card. I then received my card and fulfilled the spending amounts within the specified period and paid the enrollment fee to obtain rewards. When I contacted Jet Blue in XXXX of XXXX the customer service person informed me that the process was treated as an upgrade and not open to any rewards. I did everything that a person would do when getting a new card and at no point did the reference or explanation to an upgrade present itself. The only reason I wanted a new card was for the rewards that were offered. There was no other incentive for me to change my situation or pay an enrollment fee for a card that didn't offer me the incentive. 
I believe that JetBlue has basically offered a " bait & switch '' program.

I have written to JetBlue via their online contact as well as a formal letter to their customer service center, but have not heard back.

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 2025-07-02 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:
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 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against XXXX XXXX XXXX XXXX for their continued failure to address this matter appropriately. Account in Question : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$810.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. Despite several attempts to resolve this matter directly with XXXX XXXX XXXX XXXX they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/year>

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 2025-07-02 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). ACCOUNT : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX {$100.00} Date Opened : XX/XX/year>. Under XXXX XXXX XXXX XXXX ( a ) : ( XXXX ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. ( XXXX ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. The inaccurate late payment entry be permanently removed from my credit report. My credit file be updated to reflect my accurate payment history. Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

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 2025-07-02 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against PORTFOLIO RECOVERY for their continued failure to address this matter appropriately. 

Account in Question : Creditor : PORTFOLIO RECOVERY Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$570.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with PORTFOLIO RECOVERY, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
To whom this may Concern : There were several inquiries on my credit report which I had nothing to do with, here is the list ; 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 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 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 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 2025-07-02 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-02 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: GA

Complaint narrative:
I have address that need to be updated and they will not do it havent lived at address over 5 years per I only have One Name and its XXXX XXXX they have my Name different ways and I need changed my address is XXXX XXXX XXXX XXXX XXXX ga XXXX Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I have address that need to be updated and they will not do it havent lived at address over 5 years per I only have One Name and its XXXX XXXX they have my Name different ways and I need changed my address is XXXX XXXX XXXX XXXX XXXX ga XXXX Thanks

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 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance corporation refuses to remove from my credit report a vehicle account that should've been charged off years ago. The derogatory reporting has existing on my report over 7 years. Credit Acceptance Corporation continues to engage in deceptive practice. This account should've been removed from my account years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To Whom It May Concern : American Express ACCT. XXXX letter is in response to your recent reporting to credit bureaus regarding the closed account on XXXX XXXX, [ Account closed by credit grantor ] which you claim [ such as I owe/balance {$2100.00} ] included late fees after closed account. I request that you provide me with a copy of any viable evidence showing the account is being reported accurately. I am requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report .. As per FTC opinion letter from Attorney XXXX XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount balance [ {$2100.00} ]. I am also requesting the record that reflects the process by which my signature was generated/executed. Under the FCRA, furnishers of credit data are required to report only complete and accurate information. Reporting a balance higher that of the maximum credit limit is clear evidence of inaccuracy. FCRA 1681g and 1681h by failing to provide requested disclosures, contracts, and original documentation validating the debt. Previously, the CFPB took action against American Express for failing to provide proper disclosures about credit card fees and penalties. This case highlights the importance of transparency and the consequences of failing to notify consumers of changes to their account terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit Health

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 2025-07-02 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit Health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of XXXX hard inquiries currently appearing on my TransUnion credit report. I do not recognize these inquiries, nor did I authorize my information to be used to apply for either account. The inquiries in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Previously, I submitted a request to have these unauthorized inquiries removed, and I was informed that they would be deleted from my credit report. However, they still remain. I am requesting your assistance to have these XXXX items promptly deleted to ensure the accuracy of my credit report. 

Please confirm once these inquiries have been removed. Thank you for your prompt attention to 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