vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft identity fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with the balance of {$14000.00} that appears related to the aforementioned personal credit card account opened aXXXX XXXX XXXX XXXX, an utility account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a collections account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) with the balance of {$1000.00}. These 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 # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I had two credit cards with Chase - XXXX XXXX and XXXX. In XX/XX/year>, I enrolled in debt consolidation. the lender for the consolidation loan requested statements as of that month. Payments were sent with request to close letters. Chase received the payment and cashed it. I logged into my app and the balance showed {$0.00} on both credit card accounts. the next month, there is a balance on my XXXX credit card account for over {$100.00} dollars. I called and i told them that I sent in a payment to pay off the balance on the most recent statement and also requested the account to close. They told me that the balance is from residual interest from XXXX and XXXX. I complacent and said that is not right. I paid it off and my balance reflected a XXXX balance for over one week ; the account was still open and was not closed until XXXX. it incurred late fees and non payment fees. I have copies of what was sent to them in XXXX- any interest from months prior should have already been reflected in the XXXX balance. To this very day, the balance keeps increasing snd I am still receiving the non payment bills. My XXXX XXXX account was done as it should have been, so why wouldnt my other account be the same when its Chase that handles both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was XXXX on XX/XX/XXXX. During my XXXX, Capitol One closed the loan. However, Neither XXXX XXXX or Capitol One repossessed the car. I reactivated my credit in late XXXX and Capitol One again began reporting late payments after I wrote to them and explained that the car was " still '' in police custody 2 years later. The police released the car yesterday and I have no clue what to do with the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
My payment on XX/XX/XXXX was reversed without any notice, now I am behind on payments. 
My payment from XX/XX/XXXX is now pending as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am requesting that Midland Credit Management immediately cease all collection activity and credit reporting related to this account unless they provide full legal validation under the Fair Debt Collection Practices Act ( FDCPA ), as required by 15 U.S. Code 1692g ( b ).

They failed to provide the original signed contract, full account history, and proof of ownership after my written request. Continuing collection efforts or credit reporting without proper validation is a direct violation of 15 U.S. Code 1692e ( false or misleading representations ) and 1692g ( validation of debts ).

If they can not fully validate this debt, I request that it be permanently removed from all credit reporting agencies and that all collection activity be terminated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am insisting on the immediate removal of these inaccurate and misleading items from my credit report. These entries violate several provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 609 ( c ), you are required to provide a summary of my rights, including my right to dispute these inaccuracies. I expect this to be processed immediately. 

Section 611 ( c ) mandates that if any disputed information is deleted or corrected, you must notify all parties who received my credit report in the last six months ( or two years for employment purposes ). I expect this notification to be handled without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: IL

Complaint narrative:
Dear Customer Service/CFPB Representative I'm writing to request assistance with my XXXX XXXX XXXX account XXXX which has been XXXX without explanation. I recently received a government-issued refund into this account, but now I have {$17000.00} in frozen funds. Despite providing required documentation ( ID, Social Security card, and XXXX form ) via fax, I've received no legitimate response or resolution. 

I urgently need access to my funds. Can you please inform me about the next steps to resolve this issue? Will XXXX issue a check or assist with transferring my funds? If not, I'll be forced to seek legal assistance. 

I appreciate your help in resolving this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX XXXX XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a retail credit account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  XXXX opened XXXX XX/XX/XXXX, a loan account with XXXX XXXX  opened on XX/XX/XXXX, an auto loan account with XXXX XXXX opened on XX/XX/XXXX XXXX XXXX installment loan accounts with XXXX  XXXX opened on XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a personal loan account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX loan account with XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX personal loan account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX and four collection accounts with XXXXXXXX XXXX opened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as a loan account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-05-01 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX Balance {$940.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$870.00} Open Date XX/XX/XXXX XXXX  Balance {$610.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$510.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
DEPTEDXXXX Account # XXXX / Amount : {$69000.00} XXXX Account XXXX XXXX / Amount : {$3800.00} XXXX Account XXXX XXXX XXXX Amount : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I am a victim of identity of identity theft. There are some negative and inaccurate accounts on my 3 credit reports. I didnt give anyone permission or authorization to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
I have been disputing errors on my credit report with Experian for some time now. They either don't change it, fix it or it's still under investigation. My credit score keeps getting lower with Experian yet my FICO score with the other two companies TransUnion and Equifax are about 200 points higher. Also things I disputed on the other two have been removed but not removed from my Experian reports. There are also companies I have disputed, removed, and now they are back on my credit report.

Experian is hurting me when it comes to decisions with my credit. I believe they are being fraudulent.

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 2025-05-01 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: IL

Complaint narrative:
I am insisting on the immediate removal of these inaccurate and misleading items from my credit report. These entries violate several provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 609 ( c ), you are required to provide a summary of my rights, including my right to dispute these inaccuracies. I expect this to be processed immediately.

Section 611 ( c ) mandates that if any disputed information is deleted or corrected, you must notify all parties who received my credit report in the last six months ( or two years for employment purposes ). I expect this notification to be handled without delay.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ResidentCollect, Inc.
State: SC

Complaint narrative:
I have been talking with a lady name XXXX XXXX for a month now she stated that they do not have say they are not reporting trying its XXXX housing then she turn around and call me and say can I stop trying to dispute it because it will be off on XX/XX/XXXX they sent in the paper work its still not off then she call me again and say why are you trying to dispute it I told her this need be removed off my credit asap because I dont have a account with them nor owe them any money she even told me they dont have my account and told me she couldnt give me paperwork on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-01 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: MI

Complaint narrative:
There are three major credit bureaus, and all three of youse for they can tell are doing the exact same thing. Keep sending me forms to fill out and keep asking me to send copies of my drivers license or my passport and copies of my utility bills and Ive done all of these things multiple times over the years. Its always the exact same information. Its the exact same information thats on my credit file so I dont understand why you keep asking for this exact information over and over again Ive done my part, but youre not doing your part because Ive asked you over and over again to remove the security freezes to remove the fraud alerts. Its not helpful. It makes it virtually impossible to actually get legitimate credit. I want you to remove the credit freeze the fraud alerts I want you to remove all the statements I want you to do it right now. I am actually in the hospital have been for 15 days now and Im having to deal with this Because you wan na just keep asking for the exact same information over again if your system tells you that you need more proof that on me, why did you just look at your records? Youll see you already have copies of everything. Just remove the credit freezes remove the fraud alert remove any statements that are on there. Open up my credit report so that when I do actually apply for credit, I can get it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are three major credit bureaus, and all three of youse for they can tell are doing the exact same thing. Keep sending me forms to fill out and keep asking me to send copies of my drivers license or my passport and copies of my utility bills and Ive done all of these things multiple times over the years. Its always the exact same information. Its the exact same information thats on my credit file so I dont understand why you keep asking for this exact information over and over again Ive done my part, but youre not doing your part because Ive asked you over and over again to remove the security freezes to remove the fraud alerts. Its not helpful. It makes it virtually impossible to actually get legitimate credit. I want you to remove the credit freeze the fraud alerts I want you to remove all the statements I want you to do it right now. I am actually in the hospital have been for 15 days now and Im having to deal with this Because you wan na just keep asking for the exact same information over again if your system tells you that you need more proof that on me, why did you just look at your records? Youll see you already have copies of everything. Just remove the credit freezes remove the fraud alert remove any statements that are on there. Open up my credit report so that when I do actually apply for credit, I can get it. Thank you.

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