vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
Consumer Name : 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 XXXX  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, inaccurate, and false information consists of a credit card account reported by XXXX, opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} ; a personal loan account reported by XXXX XXXX XXXXXXXX , opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$370.00} ; and an auto loan account reported by XXXX XXXX XXXX , opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$540.00}. These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NPG Associates, Inc.
State: GA

Complaint narrative:
On or about XX/XX/2025, I received a voicemail from an individual identifying himself as XXXX with NPG Associates, stating there was an urgent change of status on my file and requesting a return call before XXXX XXXX  to ( XXXX ) XXXX. No identifying information or case details were provided. 

Out of concern and caution, I conducted due diligence : 1. Reverse Lookup / Address Validation : I located the business NPG Associates at XXXX XXXX XXXX, XXXX, CA XXXX. 
The address is listed as part of XXXX XXXX XXXX. While technically a real location, the companys online presence is questionable and its average consumer rating is 2.0 stars with multiple negative complaints.

2. Suspicious Web Link : The voicemail directed me to visit XXXX 
Upon attempting to visit the link, I was redirected to a vague and unrelated lawyer advertisement page with no identifying business details. 
This is misleading and possibly intended to give the false impression that NPG Associates is affiliated with licensed attorneys. 
3. Unprofessional and Misleading Communication : The call lacked required disclosures under the Fair Debt Collection Practices Act ( FDCPA ), including my right to dispute the debt or request verification. 
The tone and urgency were designed to pressure and intimidate rather than provide information. 
4. Further Evidence of Deception : I later called the number back to verify its legitimacy. The individual refused to identify themselves, and when pressed for details, the call disconnected. 
This pattern of evasiveness combined with aggressive voicemail contact tactics constitutes deceptive behavior under federal guidelines.

5. Consumer Protection Violations : This communication appears to violate FDCPA 807 ( 2 ) ( A ), 807 ( 10 ), and 809 ( a ), which prohibit false representations, misleading affiliations with attorneys, and failure to disclose debt validation rights.

Attached to this statement are : The transcript of the voicemail received.

Screenshots of the vague website and redirection behavior. 
XXXX business listing and address confirmation photo of the building. 
Evidence that no lawful court order or proper debt validation has been provided. 

I request this be formally reviewed as part of my pending CFPB complaint ( # XXXX ) and that this collection agency be investigated for unlawful collection activity, false misrepresentation, and failure to comply with required consumer protections. 

Sincerely, XXXX XXXX XXXX XXXX, GA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} 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 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 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 2025-07-31 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am trying to buy a home, I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2025-07-31 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: FL

Complaint narrative:
While checking my consumer report from Experian, I saw that two previous addresses are still being reported on my file, even though they are no longer valid. These addresses are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX . My correct and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. These old addresses must be removed immediately. Keeping inaccurate and outdated addresses on file violates 15 U.S.C. 1681e ( b ), which requires Experian to ensure maximum possible accuracy of the information reported. It also violates 15 U.S.C. 1681b, which prohibits the sharing or inclusion of consumer data without a valid permissible purpose. Reporting incorrect personal information like this creates confusion, weakens the accuracy of my credit report, and can lead to credit denials or complications with background checks. These types of careless reporting practices show failure to uphold FCRA obligations and expose the bureau to liability under 15 U.S.C. 1681n and 1681o, where damages can reach up to {$1000.00} per violation. I am requesting a full reinvestigation and prompt removal of these outdated addresses from my Experian credit file.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital
State: ID

Complaint narrative:
Omnipoint Management Solutions LLC is a supposedly a debt collections agency. They called my old employer on Friday XX/XX/XXXXXXXX XXXX XXXXXXXX alleging there was a debt they're trying to collect on. However, I pay everything on time and have no collections open with all three credit bureaus. So, I quickly mailed this company a cease and desist letter so they stop calling my old employer and don't reach out to me. The cease and desist was delivered on Monday XX/XX/XXXX @ XXXX USPS TrackingXXXX. Then this company left me a voicemail Monday XX/XX/XXXXXXXX XXXX XXXXXXXX asking for a callback. So, I went to there website and requested to take my number off there call list. Then they called me again at XX/XX/XXXXXXXX XXXX XXXX and left another voicemail. So I again went to there website and requested my phone number to be removed from there call list. They then called me a 3rd time XX/XX/XXXXXXXX XXXX XXXXXXXX, so a XXXX  compliant # XXXX was filed. This company is violating the Federal FDCPA and will be sued in Federal District court for violating the FDCPA and harassment if they do not cease immediately and pay me {$1000.00} for FDCPA violations and avoid the Federal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ATTYGENERL - XXXX ATTYGENERL - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights .

I looked at my credit bureau Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be 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 results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was a victim of fraud. My XXXX checking account was hacked. The bank notified me with an alert stating theres suspicious activity and account was put on restriction and online access was locked. I went personally to the nearest branch and confirmed the transactions were fraudulent. They canceled/stopped the transactions. So they assured me the funds would be returned in 6 business days. The bank statements show that on XX/XX/XXXX the funds were reversed. The merchants that were fraudulently claim was XXXX XXXX XXXX at amount {$460.00}, XXXX XXXX  at amount {$310.00}, and XXXX XXXX transfer at XXXX. Also {$95.00} XXXX  XXXX transfer was taken back by Chase bank on XX/XX/XXXX after the fraud activity and account was closed. Anyhow XXXX  XXXX is still a Negative balance of {$1000.00}. The {$1300.00} was not returned plus {$95.00}. I went a second time to Chase they assured me it takes up to 45 business days. Still no changes. So a third attempt to ask what happened. They gave me a letter. I asked them to file a complaint with claims department and she typed but I didnt get a reference number or copy. And she walked me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has fraudulently reopend a old account and i have a identity theft report filed on XXXX XXXX and this 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 2025-07-31 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate, outdated, or unverifiable information that has appeared on my credit report via XXXX, as displayed on Credit Karma. The disputed entries include multiple accounts ( e.g., XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ) that I do not recognize, authorize, or associate with in any way. 

These entries were part of a dispute I initiated on XX/XX/year>, and were marked " resolved '' on XX/XX/year> yet no satisfactory explanation, verification documents, or source validation was ever provided to me. These accounts remain inaccurately listed or unverified, despite my submission of supporting identification and a formal dispute letter in compliance with FCRA 611 ( 15 U.S.C. 1681i ).

Furthermore, Credit Karma, which is not a credit reporting agency but a third-party platform, is showing this erroneous information. If Credit Karma is not directly responsible for furnishing or reporting my credit data, why do they have authority to display inaccurate information sourced from XXXX  and without providing clear validation, resolution details, or transparency? 

These actions are not only misleading but are also causing real damage to my creditworthiness and financial opportunities. I am requesting : Immediate investigation and removal of all inaccurate/unverified accounts.

A written explanation of how these entries were verified.

Correction of any remaining inaccurate or duplicated entries on my credit profile.

Failure to correct these issues violates my rights under the Fair Credit Reporting Act. I am prepared to escalate this matter by filing complaints with the CFPB, FTC, and pursuing legal remedies under FCRA 616 and 617 for damages resulting from negligence or willful noncompliance.

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 2025-07-31 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-31 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief