vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I'm contacting you to formally dispute and demand the immediate deletion of an item currently showing on my credit report. The information being reported is not accurate and does not meet the standards set forth under the Fair Credit Reporting Act ( FCRA ) specifically the requirement that all data reported must be complete, factual, and verified to the highest level of accuracy. 

This item fails to meet those standards. Whether its due to outdated information, missing context, or outright reporting errors, its clear that whats being shown does not reflect the truth and does not align with FCRAs maximum possible accuracy guideline. That makes it legally unacceptable, and I will not allow it to remain.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Inquiry 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 2025-07-01 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: CA

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 Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was misled by an acquaintance into sending {$300.00} through XXXX ( from my Chase checking account ) based on a false promise involving my Chase credit card. 

While visiting XXXX, Michigan, this person said their company allows them to use gift cards to pay off other peoples bills at a 50 % discount. They offered to make a {$600.00} payment toward my Chase credit card. After I confirmed the payment had posted to my account, I sent them {$300.00} via XXXX to the email address they gave me assuming it was a legitimate transaction. 

Later, the {$600.00} credit card payment was reversed, and I realized the gift card or method they used was likely fraudulent or stolen. I now understand that I was manipulated. The XXXX payment I made went to someone I dont know, and the person who coordinated this with me has now disconnected their number and it is no longer in service ( XXXX ( XXXX ) XXXX ), so I can no longer reach them.

I reported this to Chase, but they could not help my request to recover the XXXX payment saying it was authorized but they said they can file a claim. They did not tell me how the claim would help me. I contacted XXXX and Chase credit card customer service, but they could not help. While I did send the payment myself, I was misled under false pretenses, and the payment was based on a transaction that was later found to be fraudulent. 

I am requesting a full review of the {$300.00} XXXX transfer and the associated {$600.00} credit card reversal, along with any assistance available to recover my money. I'm willing to share more information and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding Mutual Management SVCS LLC that is attempting to collect a debt related to an apartment lease, despite the fact that I provided proper documentation under the Service members Civil Relief Act ( SCRA ) to terminate my lease legally and appropriately. 

Before leaving for military duty, I informed the apartment management of my upcoming XXXX and submitted all the required documentation to terminate my lease under the SCRA. I have proof of this communication and documentation, including a copy of my military orders and written notice to the apartment complex.

I vacated the apartment and ensured it was left clean and in good condition. I also have photographs and videos that clearly show the apartment was clean upon my departure. The apartment was re-rented within a month of my moving out.

Despite this, I never received my security deposit back, and I have now been contacted by a collection agency claiming that I owe money related to the lease. This is unjust and a clear violation of my rights under the SCRA.

I have also contacted the collection agency directly and informed them of the situation, but the matter has not been resolved.

I respectfully request that the CFPB investigate this matter and help ensure that my rights as a servicemember are upheld, and that any improper negative information be removed from my credit report if applicable.

Thank you for your attention to this matter. I am happy to provide any additional documentation needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
account does not belong to me. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Tried to call and figure out why its an balance of {$790.00} on my credit from this company and couldnt get a real answer on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
am writing to formally dispute certain information reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX. I believe that the information related to my account with child support OAG ( Account number : XXXX ) is inaccurate and request an immediate investigation and correction or removal of the disputed data. Specific Item in Dispute : The report indicates a late payment ; however, the last payment made on this account was in XXXX XXXX. This information is inaccurate and outdated. Basis for Dispute : Under the FCRA, I am entitled to dispute any information I believe to be incomplete, inaccurate, or outdated ( XXXX XXXX Code XXXX ( a ) ( XXXX ) ). I assert that this negative information is incorrect because i have been making payments, and any reports of later late payments are erroneous. Request for Correction : In accordance with XXXX XXXX XXXX XXXX ( a ) ( XXXX ), I request that your agency conduct a reasonable reinvestigation of this disputed information, review all relevant documentation, and, if the dispute is verified, update or delete the inaccurate information. Please provide me with the results of your investigation in writing. Please complete your investigation within XXXX days as required by the FCRA, and provide me with written confirmation of the results. If the disputed information is found to be inaccurate or can not be verified, I request its immediate removal from my credit report per XXXX XXXX XXXX XXXX ( a ). Thank you for your prompt attention to this matter

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Trying to login to TransUnion call tech support and they website is horrible even with representative help on the phone website not working properly.

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 2025-07-01 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: AZ

Complaint narrative:
A new collection account from XXXX. XXXX XXXX was added to my credit report on XX/XX/year> for a balance of {$320.00}. I did not authorize, open, or validate this debt, and I have never received any written communication or debt validation notice from this company. This account appeared shortly after a previous fraudulent XXXX XXXX collection was already investigated and removed from my credit profile just last week. 

Its highly suspicious that another XXXX. System account appeared immediately after the first one was deleted, with a different balance. This feels like retaliation or an attempt to re-age the debt using a new account number. 

This violates multiple sections of the Fair Credit Reporting Act : XXXX XXXX Code XXXX ( b ) The credit reporting agency and data furnisher are required to maintain maximum possible accuracy. 
XXXX XXXX XXXX XXXX ( XXXX ) Any account that is inaccurate, incomplete, or unverifiable must be deleted from the consumers file. 

This account is unverified, fraudulent, and inaccurate. I demand its immediate removal. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/year> Status : Collection account. {$320.00} past due as of XX/XX/year> Balance : {$320.00} Original Balance : {$320.00} Balance Updated : XX/XX/year> Recent Payment : None Monthly Payment : None

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I'm contacting you to formally dispute and demand the immediate deletion of an item currently showing on my credit report. The information being reported is not accurate and does not meet the standards set forth under the Fair Credit Reporting Act ( FCRA ) specifically the requirement that all data reported must be complete, factual, and verified to the highest level of accuracy. 

This item fails to meet those standards. Whether its due to outdated information, missing context, or outright reporting errors, its clear that whats being shown does not reflect the truth and does not align with FCRAs maximum possible accuracy guideline. That makes it legally unacceptable, and I will not allow it to remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 
XXXX. XXXX XXXX - XXXX - This collection account is fraudulently reporting with conflicting statuses both open and closed and is the direct result of identity theft. This has been formally reported to the FTC, and a valid Identity Theft Report has been provided. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently delete any information stemming from identity theft within four ( 4 ) business days of receiving notice. Your continued reporting of this fraudulent account is a blatant and willful violation of federal law. This is your FINAL WARNING delete this account immediately or face aggressive legal action under FCRA 1681n and 1681o for damages, attorneys fees, and punitive penalties. Failure to act will not be tolerated. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a customer of Bank of America. Some time between XXXX and XXXX, I opened a safe deposit box in the bank branch located at XXXX XXXX XXXX XXXX, XXXX, GA. In XX/XX/XXXX, I moved to Virginia as part of a new job relocation. On XXXX XXXX, XXXX, I went to the aforementioned branch office to close the safe deposit box and return the keys. However, due to XXXX  restrictions at that time, the branch was closed and we were unable to enter the branch. On the following day ( XX/XX/XXXX ), my family and I traveled to Virginia and we have been living here since then. During the first XXXX weeks, we were provided temporary accommodation in Washington DC, so I visited the branch at XXXX XXXX XXXX XXXX. We met a bank official there and explained the situation to her stating that we wanted to close the safe deposit box and return the keys but we had no way to do so. She gave me a form to fill out and took the keys from us and promised to take care of the matter. However, since that day, we have not seen any change. The safe deposit box account continues to remain open and we are getting charged more than {$100.00} every year. We have tried on multiple occasions to follow up with different branches and staff members as well as the centralized customer service but nobody seems to be able or willing to help. I have tried calling the branch in XXXX, GA more than XXXX times in the last XXXX weeks but nobody answers the phone and they do not take voicemail messages.

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 monetary relief
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
I want help removing these fraudulent activities from my account please!!! I am a victim of identity fraud and this is getting out of hand, Experian is really hurting me with the false information. Please help me take care of this

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 2025-07-01 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief