vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: AZ

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


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

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


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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AZ

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 non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
What happened ( tell your story ) : I am disputing inaccurate/unauthorized inquiries and public-record reporting practices on my TransUnion consumer report tied to identity theft ( FTC Report # XXXX XXXX. 

Key facts : Unauthorized hard inquiries on my TransUnion file : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bankruptcy public record ( XXXX. XXXX ) shows XX/XX/XXXX filed, dismissed XX/XX/XXXX. 

CRAs source bankruptcies from third-party vendors ; courts do not verify consumer credit data. Under 607 ( b ), 609 ( a ), 611, TransUnion must provide the exact vendor/source, chain of custody, the identity matching criteria, and court-certified documents relied uponor delete the record and any derivative flags.

Law and rights invoked : FCRA 607 ( b ), 609 ( a ), 611, 605B.

Requested resolution : Delete or reclassify as soft any hard inquiry lacking signed authorization, permissible-purpose code, and IP/device log evidence. 

Delete the bankruptcy item and derivative products unless TransUnion produces court-certified documents and a documented identity match.

Correct personal information ( Metro 2 Code 112 ) to my current legal name and address only ; remove variants.

Block ID-theft-related items under 605B and confirm in writing.

Provide a full Method of Verification within 30 days and notify prior users of corrections.

Attachments ( uploaded ) : Government ID and proof of address FTC Identity-Theft Report # XXXX Highlighted TransUnion report ( unauthorized inquiries + bankruptcy ) Dispute letter and Bankruptcy MOV Addendum Prior correspondence ( if any ) Harm : I have experienced adverse action/denials due to inaccurate data and unauthorized pulls. I am also pursuing freezes/cleanup with specialty databases to prevent ongoing harm.

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 2025-10-30 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
After reviewing my credit file, I believe these accounts are being reported inaccurately and/or in violation of the Fair Credit Reporting Act ( FCRA ). 

Here are the issues I am disputing : The reporting of this account is inconsistent across all three bureaus The account status and creditor type differ between credit reports There is no verification of the validity of this debt as currently reported The balance and loan details appear incorrect or unsubstantiated

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 2025-10-30 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: TX

Complaint narrative:
After reviewing my credit file, I believe these accounts are being reported inaccurately and/or in violation of the Fair Credit Reporting Act ( FCRA ). 

Here are the issues I am disputing : The reporting of this account is inconsistent across all three bureaus The account status and creditor type differ between credit reports There is no verification of the validity of this debt as currently reported The balance and loan details appear incorrect or unsubstantiated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Mercury Technologies, Inc.
State: MA

Complaint narrative:
Mercury Technologies , Inc . 
XXXX XXXX XXXX Dear XXXX XXXX : Chief Executive OfficXXXX Mercury Technologies , Inc . 

I wish unto you for everything to be well for you, for those of yours. 

I have wanted to request for the support from your part and to address the misunderstandings. 

I have remained awaiting for the support with the transactions that I have disclosed as not authorized. 

I have attempted to communicate with the party XXXX, XXXX XXXX, Mercury Personal. The party in several occasions remained disregardful and has further determinations that are not proper. The party proceeded to further limitations on the account that have impeded me from addressing important financial matters. 

I have requested for the party to please deliver to me the documents to support the not substantiated determinations and the documents have not been delivered to me. 

The discretion of this party to disregard the communication from my part has presented for complications unto me, unto the parties communicating on my behalf and have also presented considerable exertion unto me as a person with a compromised immune system. 

The rest of the parties of XXXX XXXX have always been prompt and regardful of the communication. 

The legal counsel and I have wanted to attempt to communicate, if before having to proceed with further action and the involvement of further parties. 

I will create for a public document of the abusive, the predatory and the not ethical practices and have the attorney communicate on my behalf if the matter remains not properly addressed. 

[ This including the {$240.00} membership fee that has been charged when no service or benefit has been provided to justify the monetary request by the business that has used the XXXX XXXX status to obscure and violate the established legal obligations and the consumer legal entitlements. ] I have appreciation for the support from your part, if formerly, including the support with the opening of the Investment Account and for the support from the part of the rest of parties of Mercury Technologies , Inc .

I will remain available, for if there exists anything that you may necessitate of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Venmo suspended account. They told me to take a picture of my ID, which I did. Then they opened my account, just to suspend it again. No explanation. Contacted them several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


My complaint is regarding inaccurate and inconsistent reporting by JPMCB CARD SERVICES on my credit reports. This creditor is reporting my account with different statuses and balances across the three major credit bureaus XXXX XXXX XXXX XXXX. For example, one bureau shows the account as Charge-Off with a remaining balance, while another shows it as Closed, Paid, or Included in Bankruptcy. This inconsistency misrepresents the true status of the account and violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681s-2 ( b ), which require furnishers to provide accurate, complete, and consistent information to all credit reporting agencies. I have already contacted the creditor directly and requested a reinvestigation to verify and correct the reporting. 

JPMCB CARD SERVICES XXXX, JPMCB CARD SERVICES XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This credit bureau allowed XXXX to put an account on my consumer credit report without requiring proof that I opened an account on XX/XX/year> with XXXX. I didnt authorize an account with XXXX  on XX/XX/year>. This account is fraudulent and needs to be removed from my credit report. This is a violation of the FCRA 15 U.S.C /S 1681 ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MS

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I enrolled in XXXX Citi XXXX XXXX 2025 promotion that ran from XX/XX/year>. The promotion was widely advertised by Citibank as offering XXXX the normal portal rate, which translated to approximately 36 % cashback at participating merchants through the Citi XXXX portal. 

I made XXXX eligible purchases through the Citi XXXX XXXX using my Citi Double Cash Card on XX/XX/XXXX : ( 1 ) {$510.00} from XXXX and ( 2 ) {$100.00} from XXXX XXXX. 

Both XXXX and XXXX XXXX were clearly listed as participating merchants in the promotion. A few days after the purchases, I could see the pending credits reflected in my Citi XXXX account : ( XXXX ) {$180.00} pending from XXXX and ( 2 ) about {$38.00} pending from XXXX XXXX. 

However, as of late XX/XX/year> ( almost three months later ), the XXXX cashback remains pending with no final posting to my Citi account. The XXXX XXXX cashback has disappeared entirely from my account and is now marked ineligible, even though the purchase met all promotional requirements. 

I contacted XXXX customer service last week to inquire. The agent confirmed that cashback credits normally post within two months, and he opened internal investigation cases for both transactions. I was told to expect an update within three business days, but I received no communication or resolution. 
I called again a week later. During that call, I was transferred between four to five different agents, none of whom resolved my issue. The final agent ( a supervisor ) hung up on me without providing assistance or escalation details.

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 2025-10-30 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: TX

Complaint narrative:
THE INFORMATION REPORTED IS MISLEADING AND INCORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
Please assist me by removing the wrong personal information that are currently listed on my credit report. I would be extremely grateful for your help in this matter. Your prompt attention and assistance would be greatly appreciated. Thank you very much for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel so violated and this company practices are terrible I just want to resolve this situation so me and my family can move on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report lists late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

My credit reports show late payment information being reported inaccurately for several accounts, including XXXX XXXX ( Account XXXX. XXXX ), XXXX XXXX XXXX ( Account XXXX. XXXX ), and XXXX XXXX XXXX ( Account XXXX. XXXX ). These accounts reflect late or delinquent payments that are either incorrect, incomplete, or not properly verified. In some cases, the payment history does not match my actual records, and in others, the accounts were brought current or were subject to hardship or modification programs that are not being reflected accurately. The inconsistent and misleading reporting of these accounts violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681s-2 ( b ), which require furnishers and credit bureaus to maintain and report accurate, complete, and verifiable consumer information. I have already submitted dispute letters to the credit bureaus requesting a reasonable reinvestigation and verification of these late payment entries.

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