vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
VIOLATIONS OF THE GRAMM-LEACH-BLILEY ACT LAW : Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. Section 6801-6809, Section 6821-6827 requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Subtitle B of Title V ( 15 U.S.C. Section 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the Federal banking agencies or other regulators. DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCLUDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, FCRA Setion605 ( c ), Section 611 Part ( A ) ( 1 ). This COMPLAINT IS NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.C. 1681n, Commercial law. INACCURACIES AND HISTORIAL CONTEXT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
please see attached also and this statement below I do not owe this alleged apartment collection ( NATLCRSYS XXXX XXXX XXXX ). This account does not belong to me and is being fraudulently reported as my debt. I have never signed, authorized, or entered into any binding contract for this account. This constitutes identity theft and misrepresentation of debt. 

Violations of Federal Law : FCRA 602, 604, 609, 611, 623 ( a ) ( 1 ) ( A ) : A furnisher must only report information with maximum possible accuracy. Reporting an unverifiable account without my signed agreement is unlawful. Under 611 ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted.

FCRA 605 ( b ) : Identity theft and fraud-related information must be blocked and removed once disputed.

FDCPA 807 ( 2 ) ( A ) & 809 ( b ) : It is a deceptive practice to misrepresent the character, amount, or legal status of a debt. Debt collectors must provide validation, including a sworn signature/contract. None has been provided.

FCRA 623 ( b ) : Once disputed, a furnisher must conduct a proper reinvestigation. Reporting without proof is a direct violation. 

XXXX XXXX Compliance ( Credit Industry Reporting Standards ) : During dispute, this account must be coded with XB ( Consumer disputes investigation in progress ). Failure to code or update properly violates XXXX XXXX. 

If the furnisher can not produce verifiable, original documentation with my sworn signature, the account must be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am a victim of idenity theft. I have been in contact with Transunion and Equifax due to my information being compromised due to both of their data breaches. My personal information on my credit is incorrect. My name is XXXX XXXX XXXX, but they have additional names that are not mine that need to be removed. I have several accounts on my credit report that are not mine that need to be removed as well. Remove all of the following accounts or block them as well due to not being mine, and the data breach. 

XXXX XXXX XXXX  XXXX {$0.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX$0.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX XXXX {$210.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX Updated XX/XX/XXXX XXXX XXXX  XXXX {$0.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX XXXX {$63.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX  Updated XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX  {$220.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX Updated XX/XX/XXXX XXXX XXXX XXXX {$0.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX XXXX {$1300.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX Updated XX/XX/XXXX XXXX XXXX XXXX {$0.00} Acct XXXX XXXX XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX XXXX Control {$1000.00} Acct XXXX XXXX XXXX XXXX XXXX  Updated XX/XX/XXXX XXXX XXXX XXXX {$10000.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} Acct XXXXXXXX XXXX XXXX Updated XX/XX/XXXX XXXX XXXX XXXX {$960.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX  Updated XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} Acct XXXX XXXX XXXX XXXX XXXX Updated XX/XX/XXXX XXXX XXXX {$13000.00} Acct XXXXXXXX XXXX XXXX XXXX XXXX  Updated 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 non-monetary relief
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-08 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: MO

Complaint narrative:
This complaint is not submitted in error. My credit report lists accounts that I did not open, authorize, or manage. This inaccurate reporting misrepresents my financial history and is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-08 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-08 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: CT

Complaint narrative:
Please take this complaint seriously and review the attached file. I have been trying for a long time to correct the errors on my credit report, yet my requests continue to be ignored. I have reached a breaking point as these mistakes have negatively impacted every part of my life. My mental health has suffered, and I can not even afford professional help because my low credit score driven by these errors keeps me from getting approved for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts currently reported under my credit file. I have never authorized, opened, or had any association with these accounts. Their inclusion is false, misleading, and causes substantial damage to the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: NC

Complaint narrative:
I signed up for them to negotiate my debt, however they did not contact my XXXX Account. Received a letter threating to hire an attorney to sue or garnish my wages. 
Was not informed that my XXXX credit score will go down to XXXX. I can not move. My insurance rate has gone up. Everything is based on credit and they ruined it. 

My credit score was very good

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-08 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I have been dealing with XXXX regarding this debt for almost 2 years! I have spoken to numerous staff at XXXX but continue to get the runaround every single time and no one seems to be able to help me. 
I have now received another email from intelogix.com for debt owed. 

XX/XX/XXXX : I went to XXXX and decided to switch our to the XXXX XXXX XXXX cell phone plan. We got our new cell phones but kept our XXXX cell phones, just in case. 

XX/XX/XXXX : XXXX XXXX XXXX ended up being a mess. They lied about their fees, etc. so we cancelled our plan with them and returned their phones. I called XXXX an explained the situation, that we WERE customers but decided to switch over to XXXX XXXX XXXX but wanted to switch back to XXXX and asked if we could just reactivate our old account - gave him my original account number ( # XXXX ) and he said he'd take care of everything. 

XX/XX/XXXX : I received a bill from XXXX for {$2800.00} ( attached ) and when I called they said the amount was for the 5 phones we had cancelled from the account that we still owed money for. I explained to them that we reactivated those phones and that my account should have been reactivated. This is when I discovered that the XXXX rep created a NEW ACCOUNT ( # XXXX ) for me instead of just reactivating my original account like he should have! 

I spent the next year speaking to at least 20 different people about this issue. All that needed to be done was to add the payment plans to my new account XXXX reactivate my old account. The farthest I got was on XX/XX/XXXX. The issue was elevated and I spoke to XXXX and XXXX with XXXX and their plan was to add a sub-account onto my new XXXX account in order to reinstate the installment plan and after 30 days, all of my new account info would transfer back to my old account. XXXX rep ( XXXX  ) created case # XXXX for the new account to be deleted and the conference number is XXXX. They said it would take 3 business days to fix but it was never fixed. 
I called XXXX numerous times and unfortunately no one was ever able to help me. The notes on my account have to be pages long, literally. 

XX/XX/XXXX : received another debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to XXXX again and they said they would reinstate the old account so that the installment payments for the phones could be paid. There was never any follow up and nothing changed. 

XX/XX/XXXX : Received another debt collection from your company At this point I am sick and tired of contacting XXXX. No one there can seem to help me with something that seems SO SIMPLE. 
I am not paying this amount because XXXX messed up and can't figure out how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I filed a claim for a fraudulent charge on my bank account for a transaction I did not do with my debit card. This charge was completed at a XXXX XXXX in Texas for a XXXX XXXX and I live in Ohio. Chase bank is refusing to label this as fraud and refund my money. 

The charge was done on XX/XX/scrub> 2025 and posted to my account on XX/XX/year>2025. When I logged into my account on the and seen the fraudulent charge I Immediately locked my card. I was not able to contact chase to report the fraud until it posted to my account. I am unable to report fraud to XXXX XXXX because I do not have a transaction number since I did not do this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing a medical debt being collected by CMRE Financial Services under account # XXXX. I made consistent monthly payments to XXXX XXXX for over a year based on the original balance. After more than XXXX  months, the balance was increased without notice or explanation. 
I submitted a formal written dispute on XX/XX/XXXX, requesting validation and offering to settle the remaining {$210.00} from the original balance. The agency responded with an itemized bill but failed to explain the increase or provide documentation showing I was notified or agreed to the change. 
I followed up with a final notice on XX/XX/XXXX, giving them XXXX business days to respond. It has now been more than that, and I have received no reply. 
I am requesting that the CFPB investigate this matter and require the agency to respond formally to my dispute and settlement offer. I also request that any credit reporting be marked as disputed until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9200.00XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
15 US 1681c a Data was illegally accessed during the recent XXXX  XXXX XXXX and Navy Federal data breach. Not authorize account/inquiry and it is the result of identity compromise. update and remove. 

Amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation