vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unfortunately, Ive been a victim of identity, theft, and XXXX  data breach. My information was obtained and used fraudulently to open several account loans, credit cards and etc .. ive already contacted these companies directly XXXX XXXX, and CapitalOne Bank XXXX XXXX to let them aware of this identity theft and that I will proceeded to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 correspondence is to notify you of fraudulent accounts falsely attributed to me. I did not authorize these accounts, and they are causing undue harm to my credit profile. Under 15 U.S. Code 1681g, I am requesting their prompt removal within 15 days. Evidence is attached.

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 2025-06-17 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: TX

Complaint narrative:
I am a confirmed victim of identity theft due to the Equifax data breach, where my personal information was compromised. Fraudulent accounts and inquiries have since appeared on my credit report without my authorization. I submitted a formal dispute with all required documents under the Fair Credit Reporting Act ( FCRA ) Section XXXX, including proof of identity theft and confirmation from Equifax that my information was impacted. Per FCRA XXXX, the credit bureaus are legally required to block and delete all information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. This law mandates immediate action. I am requesting the immediate deletion of these fraudulent accounts and inquiries. Failure to comply will result in legal escalation and enforcement under FCRA XXXX & XXXX for XXXX  due to willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : LVNV Funding LLC XXXX XXXX XXXX XXXX  SC XXXX RE : Formal Demand for Full Validation Accounts XXXX To Whom It May Concern, This letter serves as a formal demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, for immediate debt validation and cessation of all collection activities until proper documentation is provided for the following accounts : Creditor : LVNV FUNDING | Account # : XXXX | Balance : {$710.00} Creditor : LVNV FUNDING LLC | Account # : XXXX | Balance : {$700.00} You are hereby required to provide the following : A signed original contract or agreement bearing my signature that legally obligates me to this debt. 
A complete payment history, breakdown of charges, and proof of how the alleged balance was calculated. 
Documentation proving you have legal authority to collect this debt and that it was lawfully assigned or purchased from the original creditor. 
The full identity and contact details of the original creditor.

Your collection license and bond number for the State of Illinois.

Proof that this account is not the result of identity theft, reporting error, or data breach. 
Be advised : reporting this account to any consumer reporting agency without proper validation is a direct violation of 15 U.S.C. 1692g ( b ). Re-reporting or reinserting any previously deleted item without notifying me in writing within five business days also violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

You have 15 days from the receipt of this notice to provide proper validation or cease all collection activity and remove this account from my credit report. Failure to comply will result in immediate complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Illinois Attorney General, and may result in a civil lawsuit for statutory damages.

You are now on notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Only Equifax is reporting inaccurate information about credit reporting over a year with XXXX XXXX XXXX This account was closed and charge off account states as Open account on my credit report Equifax for over a year trying to make them report accurate information has not been verified and reporting wrong information, please take this account off my credit report as today

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am a former XXXX of XXXX XXXX. I am writing to verify the legitimacy of a letter I received on XX/XX/2025, from a company called XXXX XXXX XXXX XXXX, claiming to represent an account associated with my time at XXXX XXXX. 

The letter states that I can resolve my account by paying a one-time amount of {$680.00}, suggesting I will save {$1000.00} if I act quickly. However, I currently have student loans in XXXX, and I have not received any communication from my actual servicer about this company or any outstanding XXXX  balance. 

I am concerned that this could be a scam or an unauthorized debt collection attempt. I want to ensure my XXXX  student loan accounts are secure, and I do not wish to engage with any XXXX  companies unless they are officially recognized by the XXXX Department of Education XXXX 

Can you please confirm : XXXX. If this company is authorized to collect on any loans associated with my XXXX XXXX account, XXXX. If I have any legitimate outstanding balance not covered by my current XXXX  status, and XXXX. If I should take any steps to protect my identity or loan accounts.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. XXXX USC XXXX Section XXXX States as followed : I have the right to privacy. XXXX USC XXXX Section XXXXA states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section XXXX ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. XXXX USC XXXX governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section XXXX ( b ) provides that [ w ] henever 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. The Bureau has previously indicated that it is not a reasonable

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion 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. These fraudulent accounts consist of an account opened at 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 XXXXThese accounts 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 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX filing this complaint because Bank of America charged off my XXXX  card with a balance that went over my credit limit due to automatic recurring charges. My credit limit was {$2500.00}, but the balance climbed to over {$3900.00} because they allowed charges to keep going through without stopping or notifying me. That alone created a situation where I couldnt even catch up, and the account was eventually closed and charged off. 

I believe they XXXX have sent a letter about collections, but by that point, I was overwhelmed and unable to pay because of the inflated balance which wasnt fully caused by my spending but by their failure to decline charges after the card was maxed. I take full responsibility for my part, but this was not handled fairly. They let it spiral and then destroyed my credit. 

Now, this charge-off is ruining my life. XXXX trying to pursue a law enforcement career, and XXXX involved in running a family business that XXXX soon be transferred to my name. This mark on my XXXX  is putting all of that in jeopardy. 

I called Bank of America, offered to pay the full balance, and asked if they would agree to remove the charge-off from my credit report. They refused even though XXXX trying to do the right thing and resolve it. 

XXXX not trying to dodge anything. I just want to pay, clear this up, and get my life back on track. XXXX asking the CFPB to step in and help me : XXXX. Get Bank of America to agree to delete the tradeline once I pay in full, or XXXX. Remove or suppress this tradeline due to the way it was handled allowing the card to go far over limit and not giving me a fair shot to bring it current. 

XXXX doing everything I can to fix my past and move forward. All XXXX asking for is a fair XXXX  chance. Please help.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday, XXXX, XXXX, I attempted to use my chase banking account to make a payment on my Credit care, I had also attempted to make payments for a surgical procedure scheduled next month recently. Only to discover my accounts have had been locked out, and upon calling the banker, being informed my checking accounts are closed indefinitely for suspicious activity. 
I do not know if it is because I have recently become the Payee of my XXXX XXXX brother social security payments, or if because I have sometime deposit income from my newly filed XXXX, which I planned to open a business account with chase this week that they believe my account is suspicious and will not disclose information with me. 
I have bank with Chase Bank loyally for over XXXX years, I am upset and appalled that this is happen and do not want this to reflect on my future banking with other agencies, I am a hard working man with XXXX XXXX family members starting a new Business and this decision is a burden and concerning. It is also strange that my credit card has not been closed despite their decision yet now they have lock me out of making Credit card payments and will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX , 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 XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I originally disputed this account with all three credit reporting agencies, due to inaccuracies being reported on my credit report. I provided sufficient proof, so much that all three credit reporting agencies deleted this account. The original creditor ( XXXX XXXX ) then sold this account to LVNV Funding. I am now requesting that LVNV Funding follow the laws, enacted precisely to protect the consumer. If LVNV Funding can not comply, I request that the CFPB compel LVNV to cease all collection and reporting efforts. I am requesting that if LVNV is unable to provide what I am requesting, as stipulated by LAW,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and notice. I had fraudulent activity on my report. Please remove these accounts from my report. They are XXXX  my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life emotionally, financially, and personally. 
I am going through extremely difficult times, and the presence of these inaccuracies only adds to the burden. It would be a tremendous relief truly a blessing to have these errors corrected or removed 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 non-monetary relief
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief