vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: DC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 non-monetary relief
Consumer complaint received 2025-07-29 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: SC

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 2025-07-29 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: SC

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 2025-07-29 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
The credit card was reported lost and there are unauthorized charges posted on the 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 explanation
Consumer complaint received 2025-07-29 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: AZ

Complaint narrative:
I am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Experian compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the Office of the Inspector General ( OIG ) and a request for intervention from congressional authorities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I am submitting a follow up complaint in reference of improper debt collection and legal procedures by Johnson Mark LLC, acting on behalf of XXXX, XXXX, regarding an alleged debt tied to XXXX ( Acct. ending in XXXX ) and a default judgment entered under XXXX XXXX. XXXX. 

On XX/XX/XXXXXXXX XXXX XXXX responded to a CFPB complaint I submitted regarding a This discrepancy is critical XXXX XXXX XXXX XXXX has clearly known my correct and current address, and yet, during the most crucial phases of legal action ( the summons, service, judgment notice, and garnishment ) they chose to send correspondence to an address I have not resided at since at least XXXX. 
According to XXXX XXXX written response to a CFPB complaint filed in XX/XX/XXXX, they stated the following : A notice of judgment letter was sent to XXXX XXXX verified address of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
However, the same letter indicates that they received and responded to my XX/XX/XXXX complaint at my actual, current address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX From a legal standpoint, this raises serious questions about whether their use of the outdated address was accidental or deliberately chosen to avoid giving me proper notice and opportunity to respond. The fact that post-judgment correspondence was sent to the correct address, while pre-judgment and other critical documents were sent elsewhere, strongly suggests a willful or at minimum reckless disregard for due process obligations. 
Under Utah law and constitutional principles of due process, proper notice must be sent to an address that is reasonably calculated to reach the defendant. Selectively using an outdated address for court filings and enforcement, while using a correct address for less sensitive correspondence, calls into question the legitimacy of the judgment and the integrity of the garnishment process. 

This inconsistent handling of address records is deeply concerning. If they had the correct address to serve me, they should have continued all subsequent legal correspondence to that same address. Instead, they diverted post-service communications to a knowingly outdated address. This conduct appears to be either intentionally deceptive or grossly negligent, violating FDCPA sections 1692e and 1692f, and denying me my due process rights. 

I respectfully request both agencies investigate XXXX XXXX XXXX conduct and take appropriate enforcement action. Supporting documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
In XX/XX/year> XXXX XXXX XXXX XXXX card charged me a {$12.00} fee which I was not aware of I did not sign any documents and I was never charged this fee prior to this and Ive had this card for several years. Then XXXX months later in XX/XX/year> they charged me {$19.00} per month from XXXX till now. I was not even aware of it until now. They went up in XXXX months XXXX dollars. I did not agree with any of these charges. I didnt even realize it until now that I was even charged these fees. I want these fees all refund refunded to my account and the interest charges. And I want my account canceled. I will pay the rest of the balance, but this is criminal and I did not agree to this and I want this company looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute and request validation of the alleged debt you are reporting to XXXX  in connection with the above-referenced account number. This is not a refusal to pay but a request for validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681e ( b ), you are required to provide competent evidence that I am legally obligated to pay this debt. Specifically, please provide the following : 1. A signed agreement or contract bearing my signature that establishes the alleged debt.

2. A full itemization of the amount claimed, including all fees, interest, and payments.

3. The name and address of the original creditor and proof that Capital One had the legal right to charge off and report this account.

4. Proof that you are authorized to collect this debt in my state.

5. A copy of any judgment ( if applicable ).

6. The date of default or last payment and proof this account is within the statute of limitations for collection.

While this account is in dispute and pending proper validation, you are required to : Cease all collection activity, including phone calls and reporting to any credit bureau.

Mark the account as disputed on all credit reports, in compliance with the FCRA.

If you can not validate this debt, you must immediately remove it from all credit reporting agencies per 15 U.S.C. 1681i ( a ) ( 5 ).

Please respond in writing within 30 days. Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may include legal action for violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Informative Research
State: IL

Complaint narrative:
To whom you may concern : Inquiry Date : XX/XX/year> Inquiry Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I am a XXXX XXXX and I am highlighting an issue regarding the fraudulent accounts that have been illegally established under my name without my consent. As someone affected by identity theft and impacted by the significant breach of sensitive data at XXXX, I anticipate your immediate compliance with federal regulations designed to safeguard my credit file. The fraudulent activities associated with my identity have inflicted serious and potentially irreparable damage to my credit standing. This situation demands a thorough investigation to establish the truth of these claims. The accounts in question were created solely for the financial gain of a third party, with absolutely no authorization from me. I assert that I have never given anyone permission to access my credit files or to open any financial accounts using my identity. In fact, there is no physical or digital signature from me on any of the applications involved. Your failure to authenticate the legitimacy of the accounts below, before including them in reports constitutes a direct violation of federal law. 
A. XXXX XXXX XXXX. Account # XXXX : Balance : {$740.00}. XXXX Established : XX/XX/year> } B. XXXX. { XXXX XXXX XXXX. Account # XXXX : Balance : {$790.00}. XXXX Established : XX/XX/year> }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, I attempted to deposit around {$1200.00} in cash at a Chase Bank ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. During the deposit, the ATM malfunctioned. I could hear the machine attempting to count the bills, but it failed, and an error message appeared on the screen, stating that the machine could no longer accept cash deposits. 

This clearly indicated that the cash was stuck or jammed inside the ATM. I immediately took photos of the error message for documentation and filed a claim with Chase on XX/XX/year>. I was informed by the representative that this was a relatively common issue and that it would be resolved quickly. 

However, after a few days, the original claim was closed without resolution. I followed up multiple times and requested XXXX escalated reviews, but both were denied with the explanation that no cash was found in the ATM during reconciliation. 

On XX/XX/year>, I contacted the local police department in an effort to formally report the incident. I also spoke with the Chase branch XXXX, who confirmed that this type of malfunction does happen and even provided me with the ATM serial number to share with customer service to assist in expediting the claim. Unfortunately, when I contacted Chase customer care again on XX/XX/year>, I was told once more that no funds were found. 

This experience has been extremely frustrating and disheartening. The {$1200.00} represents almost my entire paycheck, and losing access to it has caused significant financial hardship. I have done everything within my power to resolve this through Chase, but I have been met with denial at every turn, despite having visual proof of the ATM error and the time of deposit. 

At this point, I am turning to the Consumer Financial Protection Bureau as my only remaining option. If there is any way to obtain and review the ATM camera footage, I believe it will clearly show me depositing the cash and provide critical evidence that the funds were indeed entered into the machine. 

I am requesting a thorough investigation into this matter and hope that the CFPB can help bring accountability and resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute a late payment reported on my credit report for the following account : Creditor : XXXX Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act.

At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus.

I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law.

Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been XXXX XXXX XXXX  This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Consumer Adjustment Company Incorporated
State: PA

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. 
Account name : Consumer adjustment ( XXXX XXXX  ) 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under * paragraph ( XXXX ) 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 ( l ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-29 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Discharged U.S. Bankruptcy Court XX/XX/XXXX XXXX XXXX XXXX Discharged US BKPT CT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief