vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : Incorrect Name : - XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : - Date of Birth : - Current Address : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report. I have no knowledge of this account and did not authorize anyone to open it in my name.

The company provided an electronically signed agreement that only shows my name typed in, but it does not contain my actual signature or any proof that I authorized the account. This raises serious concerns of fraud and misrepresentation.

This account is inaccurately reported and is causing me significant harm, including preventing me from securing housing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the removal of this unauthorized account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
My information was exposed in multiple data breaches with XXXX, XXXX, XXXX, and XXXX XXXX  and XXXX. All my information has been used to open fraudulent accounts. I found many inaccurate and negative items on my credit report that have been tied to these data breaches in the last few years. I contacted the furnisher to investigate, and I received no verifiable response, and I am requesting a full Investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692g. I demand proof under section 611 of the FCRA. I dispute the validity of the alleged debt listed below entirely. I also requested the ORIGINAL PURCHASE AGREEMENT. I demand that they provide the agreement with the original creditor, signed by both parties involved. I am requesting this because my identity was used to open accounts without my knowledge or authorization, and now different companies are reaching out to me regarding these alleged debts. These companies are required to provide proof of how they are verifying the information being reported on my credit. This will help in the investigation of who is using my identity to make these purchases, and to ensure the creditors are following the laws and protecting their customers ' information. If the items listed can not be verified within 15 days, please follow the FCRA Laws, and please remove these unverifiable items immediately. 
- NATIONAL CREDIT SYSTEMS Account number XXXX - XXXX XXXX XXXX Account XXXX - XXXX XXXX XXXX XXXX Account XXXX - XXXX XXXX XXXX  Account number XXXX - XXXX XXXX XXXX Account number XXXX - XXXX XXXX XXXX  XXXX Account XXXX - XXXX XXXX Account XXXX - XXXX XXXX XXXX  Account XXXX - XXXX XXXX  Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am experiencing a serious reporting error related to my federal student loans.

ALL three of my credit reports are currently showing a Dept. of Education/XXXX loan balance of approximately {>= $1,000,000}. 

My StudentAid.gov account also reflects an inflated balance of {>= $1,000,000}. 

My actual loan balance should be significantly lower. This sudden increase from {$66000.00} to nearly {$4.00} XXXX is clearly a reporting or system error.

This incorrect reporting is damaging to my credit and causing significant distress.

Requested Resolution : Immediate investigation into the error.

Correction of my account balance to reflect the true principal and interest owed.

Confirmation that corrected data has been furnished to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-14 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Apartment complex is the XXXX  at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX. In late XX/XX/XXXX I provided the apartment complex with a letter from my doctor sighting need for ADA accommodations. I was on the second floor with two flights upstairs, due to breathing issues I could not go up the stairs or walk more than 20 feet at one time. Initially, they did not have a lower level apartment to move me in. A few weeks later, they did have a lower level apartment, however, it was over 100 feet from my assigned parking which they would not move my garage to be closer so it did not help the breathing problem. I notified them of this. They said there was nothing they could do. I then proceeded to move out to a property with an attached garage on the first floor,. I received a bill in late XXXX for {$7500.00}. An initial demand letter was sent from an attorney that was out of state in XXXX. I was advised I would need to get a Texas attorney because that is where the property rented was at. I retained a Texas attorney and a demand letter was sent on XX/XX/XXXX. They stated in their email they were going to send me to collections on XX/XX/XXXX if it was not paid. Upon receiving the demand letter from my attorney, I received an email response that said it would be sent to their attorney. That was the last communication I received from them. No email, no written letter and they do have my forwarding address since they sent me the final bill in XXXX. On XX/XX/XXXX, the full balance of XXXX was reported to my credit via pro collect without any response from them or their attorney.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am the spouse of XXXX XXXX XXXX, a 100 % service-connected XXXX U.S. veteran . Our household is under documented financial hardship due to his ongoing medical treatment ( see attached physician letter ). Despite notifying Chase of this hardship and requesting assistance, they have continued to charge full interest and minimum payments that are impossible for us to meet in our current situation. 

We have requested enrollment in hardship programs, interest reduction, or settlement options, but Chase has not provided reasonable accommodations, and their practices are causing significant financial and emotional distress for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-14 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I am submitting this complaint regarding unfair and improper debt collection and wage garnishment practices relating to an automobile loan. 

In XXXX, I traded in my old car and was sold a new vehicle. I quickly realized I could not afford the payments, so I voluntarily returned the car. 

Several years later, in XXXX, the creditor attempted to garnish my wages. I filed paperwork with the court at that time, and I did not hear anything further. 

On XX/XX/XXXX, I was unexpectedly served with a wage garnishment order at my workplace. The paperwork was signed XX/XX/XXXX, but appeared to have been stamped over a XXXX date. This created confusion and did not allow me the full legal time to respond. 

The court handling the matter is over XXXX miles away, and because of my low income and work hours, I could not reasonably appear on such short notice. 

I was not aware that any active debt still existed, as judgments are no longer reported on credit reports. 

The underlying auto loan debt is more than XXXX XXXX XXXX, which is well beyond Washingtons six-year statute of limitations for written contracts ( RCW 4.16.040 ). Attempting to collect or garnish wages on this expired debt is unfair, misleading, and unlawful. 

The garnishment is causing me financial hardship. I am a low-income worker, my housing costs keep rising, and I can not afford to lose wages over an expired debt I have not owed for years. It is also embarrassing to be served with garnishment paperwork at my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing a fraudulent auto loan that Santander XXXX  USA allowed to be opened in my name without my authorization. I did not apply for, sign, or consent to any loan through your institution, and I believe this incident is linked to identity theft following the XXXX XXXX  data breach. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to block fraudulent information from my credit reports, and under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), knowingly maintaining a fraudulent account is a federal offense. If Santander does not immediately investigate, close the account, and remove all related information from my credit file, I will pursue legal action, including complaints with the FTC, CFPB, and a civil lawsuit to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: LEXISNEXIS
State: NH

Complaint narrative:
I have proof on my bank statements but they had me attach my pay allotments then they screwed me when I told them I need not to do business so I cancelled allotments. 

And now they reported to my credit bureau I have to get a mortgage I dont. Owe them period Preditory lending and theft by them getting my allotments Please file all laws on them They got over {$4000.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Via USPS Certified Mail Return Receipt Requested [ XXXX XXXX XXXX XXXX XXXX  address ] Re : FCRA 611 ( a ) Capital One ( Acct XXXX ) Delete or Correct To the Dispute Department : I dispute the Capital One tradeline ( Acct XXXX ). The file shows the account as Closed/Charged-off yet still reports Past Due = {$170.00} and Balance = {$170.00}, with an extended CO/late grid and a prior investigation complete remark. This presents a postcharge-off delinquency portrayal and inconsistent itemization. ( The XXXX entry states : Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/year>. ) XXXXXXXX XXXX report ( 1 ) Requested actions ( delete if unverifiable ) : Reconcile {$170.00} written off with the reported {$170.00} balance/past due ; state whether the debt was sold/assigned. If sold, the original creditor must report {$0.00} and add sold/assigned. 

Provide DOFD and the Payment History Profile supporting the charge-off and month-by-month coding.

Correct to XXXX XXXX ( harmonize Account Status, Current Balance, Past Due, Payment Rating, Payment History Profile, Date of Account Information ) or delete the tradeline as unverifiable. 

Send a written Method of Verification ( MoV ) identifying documents reviewed, furnisher contact/department, and any XXXX codes used.

Apply Consumer Information XXXX XXXX during reinvestigation. 

Enclosures : Government ID ; proof of address ; highlighted tradeline pages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Rooms to go came and got the furniture and they still charged me for the furniture

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 2025-09-14 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX  # XXXX  -Balance {$210.00} -Date Opened XX/XX/XXXX XXXX XXXX # XXXX -Balance {$2000.00} -Date OpenedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from theXX/XX/XXXXXX/XX/XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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