vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following information are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am disputing a charged-off account from XXXX that appears on my Experian credit report with a balance of {$160.00}. I have repeatedly requested full validation of this debt, including the original signed contract, proof that XXXX owns the debt, and an itemized breakdown of the charges. Despite these requests, Experian marked the account as verified without providing any actual documentation. 

I have not received the original contract or any proof of liability, yet the account remains on my report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation and remove any unverifiable information. Since the account remains unvalidated, I am formally requesting its immediate removal from my credit 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is still a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account XXXX XXXX # XXXX I am formally disputing a XXXX collection account being reported against me. Under the Fair Debt Collection Practices Act ( 15 USC 1692c ), I request that all communication about this debt be ceased and that verification of the debt be provided. I do not recall owing this debt and request validation, including the original contract or proof of liability. Reporting unverified information violates the Fair Credit Reporting Act and my consumer rights. Please remove this account if it can not be properly validated.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On my Equifax credit report I have a Medical Debt that has no account name, original creditor, no contact information for collection agency ; just an account number. It was opened on XX/XX/XXXX and says closed. It is listed as a charge-off. So, with what I am being given I can not contact them to validate the debt. 

On my TransUnion credit report I have the same Medical Debt with the company name of Comenity Capital/ XXXX  With no contact phone number listed and only half of the zip code listed. This report says a XXXX balance is owed. This report says the account closed as on XX/XX/XXXX. 

In early XXXX, new federal and California state laws are taking effect to protect consumers from the negative impact of medical debt on their credit. The Consumer Financial Protection Bureau ( CFPB ) finalized a rule that will remove medical debt from credit reports and prohibit lenders from using medical debt information in credit decisions. Similarly, California passed Senate Bill 1061, which also prohibits the inclusion of medical debt on credit reports and its use in credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent
noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or XXXX confirmation that this account has been permanently deleted from all credit files you maintain. 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS IN QUESTION XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Second and Final Notice Request for Immediate Removal of Negative Closed Items Due to Inaccuracies and Data Breach Exposure This letter serves as a second formal notice regarding my request to have all negative closed accounts and items related to my credit profile removed immediately and effectively.

It has come to my attention that my personal and financial information may have been compromised due to a known national data breach, and as a result, I have reason to believe that some of the negative reporting on my credit file may be the result of inaccurate, outdated, or unverifiable information.

According to the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Any account that can not be validated must be deleted immediately from all credit reporting agencies.

This is the second attempt to resolve this matter. Please consider this my final request before I pursue legal remedies through the Consumer Financial Protection Bureau ( CFPB ) and/or other appropriate channels. 

I am demanding that you : Immediately remove all negative closed items associated with my credit file that are inaccurate, unverifiable, or compromised. 
items as followed : XXXX XXXX XXXX XXXX XXXX XXXX ANY AND ALL NEGATIVE ITEMS ALL CLOSED ACCOUNTS CHARGED OFFS COLLECTION ETC Provide written confirmation of the deletion within 15 calendar days from the date of this notice.

Cease and desist from further reporting of any such accounts if they can not be validated. 

Please be advised that I am documenting all communications related to this matter. Non-compliance will be reported. 

Thank you for your prompt attention. 

Sincerely, 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : CREDIT COLL ( Original Creditor : 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 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 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap. 

.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: NY

Complaint narrative:
Im writing to report a problem with a debt collector. The company, True AccordXXXX, keeps contacting me about a debt I dont believe I owe. They started reaching out around [ XX/XX/year> ], and Ive been getting calls/Text/ from them regularly. 

Ive asked them to send proof that I owe this debt, but they havent done so. Even though Ive told them I dont think the debt is valid, they keep contacting me. I believe this might be against the law under the Fair Debt Collection Practices Act.

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 2025-07-08 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: WA

Complaint narrative:
I am writing to formally express my deep concern and disappointment with the handling of my recent Chase XXXX XXXX card application. The process not only lacked transparency but also resulted in significant financial and personal inconvenience. 

Prior to applying, I contacted the Chase credit card team and was clearly informed that I would be eligible to receive the sign-up bonus for the XXXX  XXXX card , provided I downgraded my existing XXXX XXXX card. I had opened that card over four years ago, which should have placed me outside the 48-month restriction. Based on this information, I proceeded with the downgrade.

After the downgrade was completed, I called the reconsideration line to finalize my XXXX XXXX application. The underwriting team approved the applicationbut at no point was I informed that I would be ineligible for the sign-up bonus or that the 48-month rule no longer applied to my situation. Without confirming these key details, my credit line was transferred and the new card was openedall without my clear consent. 

As a result, I was forced to cancel the new XXXX XXXX card immediately, and I lost a {$15000.00} credit line in the process. When I attempted to resolve the issue, I found the Chase credit card team unresponsive and unwilling to acknowledge the full context of what happened. My concerns were not addressed, and no steps were taken to reverse the damage or restore my credit line. 

This experience has left me feeling misled and disregarded. The lack of communication, absence of consent, and conflicting information from your team created a situation that felt deceptive and irresponsible. I urge Chase to investigate how this situation was handled and to take accountability for the missteps. 

I would appreciate a formal review of my case and a written response addressing how Chase plans to prevent similar situations from happening in the future.

Company response to consumer: Closed with explanation