vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Several credit accounts have been fraudulently opened in my name without my authorization. I have submitted disputes to the credit reporting agencies ( Experian, Equifax, and TransUnion ), along with my official identity theft affidavit filed through IdentityTheft.gov. Despite this, these accounts remain on my credit reports because the creditors claim I am responsible. 

I never authorized or opened these accounts. The fraudulent accounts harming my credit file are as follows : [ XXXX  XXXX XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX ] [ XXXX XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX Amount : {$14000.00} ] [ XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX Amount : {$850.00} ] [ XXXX XXXX XXXX XXXX  Opened in XX/XX/XXXX Amount : {$17000.00} ] [ XXXX XXXX  Opened in XX/XX/XXXX ] I discovered this identity theft in XX/XX/XXXX. I have already submitted formal disputes, but the accounts were not removed. I am requesting the CFPB to investigate and ensure these fraudulent accounts are deleted from my credit reports in accordance with my rights under the Fair Credit Reporting Act ( FCRA Section 605B ). 

I am attaching my official identity theft affidavit from IdentityTheft.gov as > As further evidence that I was not living in Florida during the time the fraudulent accounts were opened, I am including my official W-2 tax forms from the years XXXX through XXXX. These documents prove that I have continuously lived and worked in the state of Georgia, and I have never resided in Florida. 

Therefore, the accounts opened in Florida are clear evidence of identity theft.

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 2025-07-15 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 am a victim of identity theft. Several credit accounts have been fraudulently opened in my name without my authorization. I have submitted disputes to the credit reporting agencies ( Experian, Equifax, and TransUnion ), along with my official identity theft affidavit filed through IdentityTheft.gov. Despite this, these accounts remain on my credit reports because the creditors claim I am responsible. 

I never authorized or opened these accounts. The fraudulent accounts harming my credit file are as follows : [ XXXX  XXXX XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX ] [ XXXX XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX Amount : {$14000.00} ] [ XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX Amount : {$850.00} ] [ XXXX XXXX XXXX XXXX  Opened in XX/XX/XXXX Amount : {$17000.00} ] [ XXXX XXXX  Opened in XX/XX/XXXX ] I discovered this identity theft in XX/XX/XXXX. I have already submitted formal disputes, but the accounts were not removed. I am requesting the CFPB to investigate and ensure these fraudulent accounts are deleted from my credit reports in accordance with my rights under the Fair Credit Reporting Act ( FCRA Section 605B ). 

I am attaching my official identity theft affidavit from IdentityTheft.gov as > As further evidence that I was not living in Florida during the time the fraudulent accounts were opened, I am including my official W-2 tax forms from the years XXXX through XXXX. These documents prove that I have continuously lived and worked in the state of Georgia, and I have never resided in Florida. 

Therefore, the accounts opened in Florida are clear evidence of identity theft.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: VA

Complaint narrative:
I am a XXXX XXXX veteran who recently separated from active duty due to a medical condition, and I am now permanently residing in XXXX XXXX. I financed a vehicle through VW Credit while stationed in Virginia. After my official separation ( XXXX provided ), I transported my vehicle to XXXX XXXX XXXX XXXX of my permanent relocation. 

The Department of Transportation in XXXX XXXX ( XXXX ) requires a title or written authorization from the lender to register the vehicle locally. VW Credit has refused to provide either the title or a notarized letter allowing me to register the vehicle in XXXX XXXX. As a result, I am unable to register or legally drive my car despite being current on my loan and insurance. 

I am simply trying to comply with local law and operate my vehicle legally in the jurisdiction where I now live permanently. XXXX Credits refusal to cooperate prevents me from doing that and puts me at legal risk. 

I respectfully request CFPB intervention to require VW Credit to issue a letter of authorization and/or send a copy of the title to allow the vehicle to be registered in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the Credit Reporting Agencies for validation or debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase Bank also known as JPMCP is reporting a charged off account on my credit reports. This account was marked as charged off but it is still being reported monthly as if it is active or being updated. If the account has been charged off that means it has already been written off as a loss and is no longer being pursued by the original creditor. So why is it still showing up on my credit reports and affecting my score every single month? 

By continuing to report this account as charged off with new activity, JPMorgan Chase is damaging my credit even though the account has been closed. This is misleading, inaccurate, and a violation of the Fair Credit Reporting Act FCRA section 623 which requires that furnishers report only accurate and complete information. It also violates section 607b of the FCRA which prohibits outdated or misleading entries that do not reflect the true status of the account.

I was going through medical and financial hardship when this account went delinquent. I was not contacted with any attempt to resolve the matter before it was charged off. Now, not only was I not given a fair chance to settle or explain my situation, but the account is still harming me even after it has supposedly been closed out by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding LLC Date Opened XX/XX/XXXX and updated on XX/XX/XXXX. Balance of {$640.00}. Original Creditor ( XXXX XXXX XXXX XXXX XXXX  ) Creditor is currently reporting on my credit report that I have no knowledge of. I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is a result of identity theft and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I signed a service agreement in XX/XX/XXXX with XXXX for monthly office rental payments of {$540.00}. In XX/XX/XXXX, I was issued an invoice for over $ XXXX 12 months of charges in advance through XX/XX/XXXX. This change was made without my authorization. I immediately disputed the invoice and contacted XXXX, who acknowledged that the billing change was made in error but insisted the invoice could not be adjusted unless I paid it in full. 

Between XXXX and XX/XX/XXXX, I continued to pay monthly as agreed. XXXX acknowledged the billing error yet refused to correct the invoice or restore monthly billing unless the full annual amount was paid. This denied me access to the billing terms outlined in my contract. Despite receiving multiple payments and confirming the error originated within their system, XXXX failed to issue corrected invoices. Due to this breach and the ongoing disruption to access, I formally terminated the agreement via attorney-written notice in both XXXX and XX/XX/XXXX. XXXX acknowledged receipt of the keys and termination notice in XX/XX/XXXX. 

Despite this, XXXX referred the full disputed amount to Transworld Systems for collection. On XX/XX/XXXX, I mailed Transworld a debt validation request under the FDCPA, asking for a breakdown of charges, a copy of the signed agreement, and documentation authorizing the billing change. Transworld responded with only a copy of the disputed invoice and did not provide the legally required validation. 

The invoice includes charges through XX/XX/XXXX for a space I no longer occupy, under a contract that was lawfully terminated. Collection activity on a disputed and unvalidated debt continues, in violation of my consumer rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
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 2025-07-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe 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 CXXXXe XXXXB 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
I am writing pursuant to 15 U.S. Code 1681c2, which requires the blocking of information resulting from identity theft from a consumer 's credit report upon proper request. I am a victim of identity theft, and I did not authorize the opening or use of the following accounts or the listed credit inquiries. 
Please consider this my formal request for immediate deletion of the following fraudulent accounts from my credit report, which were not opened or authorized by me : XXXX Accounts : XXXX. XXXXXXXX XXXX XXXX  XXXX - Date Opened : XX/XX/XXXX XXXX. Capital XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  - Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX - Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XXXX/XXXX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX ( via XXXX XXXX XXXX ) Inquiry Date : XX/XX/XXXX XXXX of XXXX XXXX Date : 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 2025-07-15 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: IL

Complaint narrative:
I am filing a complaint against Equifax due to their failure to properly investigate and resolve a dispute I submitted regarding inaccurate information on my credit report. Despite providing supporting documentation and following the proper dispute process, the inaccurate item ( s ) remain on my report, negatively impacting my credit score. Equifax did not provide an adequate explanation for their findings, and I believe they did not conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB assist in ensuring Equifax fully investigates my dispute and corrects or removes the incorrect information ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX LL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian, Transunion and Eqifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Experian, Transunion and Eqifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
In XXXX and XXXX, I discovered XXXX fraudulent credit card accounts on my credit reports from : XXXX  XXXX XXXX ( Account ending in XXXX  ) XXXX XXXX XXXX ( Account ending in XXXX ) Both accounts were the result of identity theft and were previously disputed and removed from my credit reports. However, in XX/XX/XXXX, they were reinserted into my credit file without proper notice or legal compliance, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Per FCRA 1681i ( a ) ( 5 ) ( B ), when information previously deleted following a dispute is reinserted, the credit bureau must : Notify the consumer in writing within XXXX business days, and Provide the name, address, and phone number of the furnisher that certified the accuracy of the information. 

I received no such notice, nor was I given any information identifying the furnisher of the reinserted data. Additionally, fraudulent employment XXXX XXXX XXXX also included on my credit report, further indicating identity theft. 



What laws were violated? 
FCRA 1681i ( a ) ( 5 ) ( B ) : No written reinsertion notice or furnisher disclosure within 5 business days.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or should know is inaccurate.

FCRA 1681c-2 : Credit bureaus must block identity theft-related accounts and data once an FTC Identity Theft Report is filed.

FCRA 1681n and 1681o : Provide for statutory or actual damages in cases of willful or negligent noncompliance.

What would be a fair resolution?


1. Permanently delete the reinserted fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX from all credit reporting agencies.
2. Provide a written explanation stating : The date and reason each account was reinserted ; Whether certification was provided by a furnisher ; The name, address, and phone number of the furnisher as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; Why no reinsertion notice was sent to me.

3. Correct all credit report damage, including any derogatory impact to my credit score, and remove the fraudulent employment information ( XXXX XXXX XXXX ). 
4. Provide written assurance that these accounts and personal data will not be re-reported unless full legal certification is provided under FCRA 1681c-2.

5. If the reinsertion was willful or negligent, I request enforcement actions and statutory damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief