vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: WI

Complaint narrative:
This is not a duplicate report and this is not found by a third-party or credit repair agency in accordance with the fair credit reporting act XXXX. These accounts below has violated my rights according to 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section to it also states a consumer reporting agency can not furnish an account without my reading instructions Furthermore, please provide the following number one the original contract with my signature on it number two creditor information, name, address, and phone number of original merchant, the payment history and itemized billing associated with each account proof of ownership prove that the company trying to collect this debt has authorized to do so if you cant provide these four things, please delete these accounts from my credit report. Thanks.

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 2025-04-26 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:
I, XXXX XXXX XXXX, hereby state that I have become a victim of identity theft. Unauthorized parties have used my personal information without my permission. Evidence of this theft has already surfaced : I have received debt collection calls and see entries on my credit report for accounts that I never opened or authorized. In light of these developments, I am taking formal action to resolve the fraud. 

I believe the source of this theft was the XXXX  Equifax data breach. In XX/XX/year>, Equifax announced that a breach exposed the personal information of approximately XXXX XXXX Americans. Because my data was likely compromised in that incident, it is probable that the fraudulent accounts now appearing on my reports stem from that breach. 

Specifically, the following accounts have appeared on my credit reports without my knowledge or consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I affirm that I did not open or authorize any of the above accounts, and I dispute all debts associated with them. These accounts and debts are fraudulent and are not mine. 

Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( codified at 15 U.S.C. 1681c-2 ), consumer reporting agencies must block from a victims credit file any information resulting from identity theft once the consumer provides proof of identity, an identity theft report, identification of the disputed information, and a statement that it is unauthorized. I have provided all required documentation, including an official FTC Identity Theft Report. Therefore, I request that the above-listed accounts be permanently blocked ( removed ) from my credit reports pursuant to FCRA Section 605 ( b ). 

I have also filed an official Identity Theft Report with the Federal Trade Commission and a police report with my local law enforcement agency, as recommended by federal guidance. Copies of those reports are attached for your reference. 

Thank you for your prompt attention to this matter. Please confirm in writing that these fraudulent accounts have been blocked from my credit reports in accordance with the above law. 

Sincerely, XXXX XXXX XXXX Attachments : FTC Identity Theft Report

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Acct # XXXX Acct name : southwest credit systems Company continues to illegally furnish false information to my report. I have never signed a contract with this company whatsoever. Company has failed to provide a copy of SSN or Identification card used to open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I had XXXX for a while and i Don't know where this came from and i know it's from identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Farrell Holdings, LLC
State: AZ

Complaint narrative:
I was placed on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and could no longer afford the payments, I volentarily surrendered the vehicle XXXX of XXXX. Not only was this not reported, but the company neglected to report the repossession for over a month after I surrendered it and labeled it a seizure of property. The account has since been closed for some time and they have intentionally withheld the sold at auction price and not reflected it on the account, but have also continued to incure more charges to an already closed account. I've disputed it multiple times and been ignored, and pac auto finance is knowingly breaking the law and damaging my credit further and not truthfully or accurately updated the credit bureau acorridingly. I feel that this is purely out of spite and to try to illegally make more money. This has caused me countless amounts of stress, hours of missed work and dozens of opportunities I could have had had and need to live my life including securing new means of transportation. I demand this be removed entirely from my credit due to fraudulent filing and illegal credit reporting practices. If it is not I will pursue legal actions including the personal punitive damages for the extended destruction of my credit and damage to my mental health and excessive damage to my financial profile in an attempt to inhibit me from obtaining funding from other creditors. They have added new charges monthly from XX/XX/XXXX up until this past month XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IL

Complaint narrative:
Inarrucrate false closed infirmation on my credit report. Causing a lifetime impact on my life I need these removed deleted and never to return to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX Bank and Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Bank is reporting an account with a charge-off that has a Date of First Delinquency ( DOFD ) in XX/XX/XXXX. Under FCRA 605 ( a ) ( 4 ), charged-off accounts must be removed after XXXX years from the XXXX. It is now XX/XX/XXXX, and this account should already be removed or be in the process of removal. Continued reporting beyond 7 years is a direct violation of the FCRA. 

Furthermore, I have disputed this account multiple times and provided an FTC Identity Theft Report showing the information is inaccurate and unverifiable. Despite these disputes, XXXX XXXX XXXX  and Equifax have continued to furnish the inaccurate account information. This violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ) and FCRA 623 ( b ) ( failure to properly investigate and correct the account after being notified ).

In addition, Equifax failed to perform a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ) and continues to allow the false reporting without proper validation. 

Also, I have documented that the creditor and Equifax have " re-aged '' the account by updating comments and statuses in XXXX to make it appear more recent. This is illegal under the FCRA. The accounts original delinquency date remains unchanged, therefore, any updates that make the account seem newer to extend reporting time are prohibited. 

I am demanding immediate permanent deletion of this account from all credit reporting agencies. I am also requesting that all inaccurate data and negative marks associated with this account be permanently removed. 

Failure to resolve this complaint will leave me no option but to escalate this matter to legal counsel and pursue damages under FCRA provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed the XXXX XXXX collection account multiple times with the credit bureaus and with the collector. Despite multiple disputes, XXXX XXXX continues to report incomplete and unverifiable information. The account was originally from XXXX XXXX and shows a balance of {$220.00}. However, the collection agency has not provided full validation of the debt, including proof that they own the debt or have the legal right to collect and report it under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX XXXX XXXX have sold or transferred this debt, but the reporting does not clearly reflect a {$0.00} balance from the original creditor, leading to confusion and possible double reporting. This inaccurate and incomplete reporting is causing ongoing harm to my creditworthiness. I am requesting the immediate deletion of this collection account from my credit reports.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX. 
Please provide the following information : XXXX. 
The name and address of the original creditor. 
XXXX. 
The original account number associated with the debt. 
XXXX. 
The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added. 
XXXX. 
Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency. 
XXXX. 
Copies of any signed agreements or contracts establishing my liability for this debt. 
XXXX. 
Proof that the debt is within the applicable statute of limitations. 
XXXX. 
Copies of any judgments obtained against me ( if applicable ). 
XXXX. 
The full name and address of any previous collectors who have attempted to collect this debt. 
Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the accuracy and completeness of the bankruptcy currently reported on my Experian credit file. 

Upon reviewing my consumer reports from Experian, XXXX, and XXXX, it is clear that only Experian is reporting the alleged bankruptcy, while XXXX  and XXXX  have no such entry. 
This discrepancy raises significant concerns under FCRA 607 ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy in the information they furnish. 

In accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am demanding the method of verification for this bankruptcy entry. Please provide the following within the time allowed by law : The specific name, address, and telephone number of the entity that verified the bankruptcy. 

A complete and detailed description of the procedure used to verify the information, including whether an automated database ( e.g., XXXX or XXXX  ) was utilized. 

Any and all supporting documents you relied upon in verifying the bankruptcy, as required by FCRA 611 ( a ) ( 7 ).

Furthermore, because U.S. Bankruptcy Courts do not report directly to consumer reporting agencies, any reliance on third-party aggregators without direct verification from the original source ( i.e., the court itself ) constitutes a failure to properly reinvestigate and may amount to negligent or willful noncompliance under FCRA 616 and 617. 

Please be advised that federal courts have repeatedly found Experian liable for inaccurate reporting and failure to properly investigate consumer disputes, including : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Affirmed that consumer reporting agencies have a duty to reinvestigate disputes properly, and relying solely on automated processes is insufficient. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Held that a reasonable reinvestigation requires more than parroting information from furnishers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Confirmed that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

Experian itself has faced substantial litigation for similar misconduct : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Although primarily against XXXX, this Supreme Court case clarified obligations of consumer reporting agencies to ensure accuracy. 

XXXXXXXX XXXX. Experian Information Solutions , Inc., XXXX. XXXX ( XXXX XXXXXXXX. XXXX ) Experian was sued for failing to correct inaccurate public record information after a dispute, leading to significant damages. 

I have enclosed a copy of my consumer report highlighting the alleged bankruptcy.

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 2025-04-26 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: CA

Complaint narrative:
Equifax is continuing to report a fraudulent {$13000.00} debt placed by XXXX XXXX XXXX, despite clear evidence of identity theft and fraud. 

I have provided multiple disputes, a police report, and an FTC fraud affidavit showing that this account does not belong to me. 

XXXX XXXX XXXX admitted they have no valid identification linking me to the alleged contract. The personal information ( email, address, middle initial, job title ) does not match my information. 

By continuing to report unverifiable information, Equifax is violating the Fair Credit Reporting Act ( FCRA ) and has caused financial harm, including the denial of a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am filing this complaint because I believe JPMorgan Chase has violated the Equal Credit Opportunity Act ( ECOA ) by unfairly denying my application for a business credit card. 

I recently applied for the " CHASE XXXXXXXX XXXX XXXX credit card '' with Chase on XX/XX/2025. As the owner of a new and legally registered business. I submitted all required documentation and disclosed my business information, which includes a XXXX XXXX XXXX with the state of XXXX and XXXX and XXXX the formation documents required for a company to be legally and properly established. 

The denial letter I received from JPMorgan Chase, dated XX/XX/2025, references application ID XXXX XXXX  Despite fulfilling all necessary requirements and meeting eligibility criteria outlined by Chase, my application was denied. Chase cited my personal credit history as the reason for denial, even though the application was for a business account and not a personal line of credit. 

Under the Equal Credit Opportunity Act ( XXXX ), creditors are prohibited from discriminating against applicants on the basis of personal factors unrelated to the business 's ability to repay. I believe this decision constitutes discrimination under XXXX and undermines equal access to credit for new or small business owners, particularly those who are actively working to build business credit independent of personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
i took out a loan in XXXX of XXXX for {$2400.00} and then added another {$1000.00} to the loan in XXXX of XXXX for a toal of {$3400.00} from Regional finance. since XXXX i have paid {$3200.00} towards the loan or so i thought. i tried to renegotiate the loan in XXXX of XXXX to get lower payments and discoved that none of the money i paid went to the principal. i was told the pay off amout would be {$3800.00} even though i already paid {$3200.00}. i was also told that if i continued to pay on the loan that i would pay over XXXX on top of the amout i have already paid, thats over XXXX for a {$3400.00} loan. when i started to ask questions i discovered that they were charging me for XXXX insurance, XXXX insurance, XXXX insurance, XXXX insurance and XXXX insurance. none of this was ever explained to me and i feel taken advantage of. when i sent emails asking questions i was told they arent allowed to reply to emails with answers and could only talk on the phone. it feels like they are trying to limit any type of XXXX XXXX. they were pushing me to sign new papers ASAP. they were saying things like if i dont sign today then they cant work with me or if i dont sign then they will need to escalate. when i told them that i needed to have my daughter who has a masters in accounting to advice me on this a XXXX came on the phone and sounded angry. she said i had to sign now or else its out of their hands. 

in XXXX i was going through a XXXX i was not in a good mental place. i needed money to pay bills and decided to get a loan from regional finance. they are a company i used in XXXX or XXXX to finance XXXX, the loan was paid and there were no issues at the time so i trusted them. im feeling threatned and harassed by the multiple calls every day

Company response to consumer: Closed with explanation