vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: DE

Complaint narrative:
I am writing to dispute several accounts listed in my credit report that appear to be the result of identity theft and are also reflected in my FTC Identity Theft Report. I was a victim in numerous data breaches. These accounts were opened without my knowledge or authorization. I am requesting that these accounts be investigated and removed from my credit file in accordance with FCRA Section 605b. I have also attached a copy of my FTC Identity Theft Report and any supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: MS

Complaint narrative:
I am a victim of identity theft, and XXXX  and/or the credit bureaus are reporting multiple fraudulent accounts on my file that I did not authorize, initiate, or benefit from in any way. 

The following accounts are the result of identity theft and were opened without my consent : XXXX XXXX Account # : XXXX Amount : {$1000.00} XXXX XXXX XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXXXXXX Account # : XXXX Amount : {$2900.00} I submitted my FTC Identity Theft Report ( # XXXX ), valid government ID, and proof of address. These are the legally required documents under FCRA Section 605B [ 15 U.S.C. 1681c2 ]. According to this law, all information resulting from identity theft must be blocked from my consumer report within 4 business days after receiving my documentation. 

These accounts are still appearing on my credit report in violation of federal law. This is unacceptable and unlawful. XXXX and/or any credit bureau continuing to report this information is in violation of : FCRA 605B Blocking of fraudulent information FCRA 611 ( a ) Failure to reinvestigate disputes FCRA 623 ( a ) ( 6 ) Duty to accurately report FCRA 616 & 617 Civil liability for willful or negligent noncompliance I am demanding immediate enforcement and compliance.

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 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding a collection account that has already been paid in full, but is still being reported inaccurately on my credit report and/or I am still being contacted regarding the debt. 

The original debt was paid on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have attached proof of payment. 

Despite the payment being made, the collection account has not been updated to reflect a XXXX balance and/or " Paid '' status. Additionally, I may still be receiving collection calls or letters related to this debt, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I have attempted to resolve this issue directly with the collection agency and/or credit bureaus but have not received a resolution. 

I am requesting that : The collection account be updated to show a {$0.00} balance and a " Paid '' or " Closed '' status immediately ; Any further attempts to collect on the debt cease ; Any negative reporting related to this debt be corrected or removed from my credit file, as the debt has been satisfied. 

Please investigate this matter and ensure the appropriate corrective actions are taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Oliphant United, Inc.
State: KS

Complaint narrative:
I have attached the letter for my dispute regarding FDCPA violations I have been trying to tell Oliphant, the collections agency collecting on a Lending club debt that is out of statue of limitations, to cease and desist. They received my initial letter but decided to call me over the phone ( My number XXXX ) on XX/XX/XXXX of XXXX  @ XXXX XXXX. Even after they first letter, they still tried to contact me after the fact. Violating my consumer rights under the FDCPA. Please see the attach letter I sent to them on XX/XX/year>. 

To make things worse, after they received my letter, They decided to put this collections account on my Experian report intentionally causing harm on my credit rating. This account had already been removed once off my Experian report. This was intentional and they did this to cause harm to my credit report.

I am asking you to fully investigate these actions Oliphant USA and their representatives who have decided to unlawfully try to contact me.

Just so you also understand, Oliphant has ignored my letter I have to them certified mail. The letter I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail that Chase had decided to restrict my accounts and to call them. My savings account was completely deleted without my consent, and my checking account has a restriction on it. 

I tried to call as soon as I received the letter, but the expected wait time was too long. On XX/XX/XXXX, I spent XXXX minutes on the phone, talked to no less than XXXX people, repeatedly getting transferred to the same departments I already tried calling. I was informed that my account had been deactivated and there was nothing that could be done. The reason being is that there was a XXXX cent ACH transaction that had the name XXXX. Chase said that since the name on the transaction was XXXX and not my name, they could not verify it was intended for me. I informed them that it was in fact me and I was trying to send money to my Chase savings account and XXXX sent XXXX cents and XXXX cent, and then took the XXXX cents out to verify my account. I was also informed that my checking account would likely soon be closed as well. They said that there was no number associated with the XXXX that they could call to confirm, despite me saying that it was me/my dad and offering his phone number to confirm he initiated the transfer from XXXXXXXX. 

On XX/XX/XXXX, I tried connecting my XXXX checking account to XXXX and sending out my money that way. It said I needed to call and verify my identity. During this call, the representative said she needed to verify the XXXX cent transaction. I informed her it was from XXXX and that it was my dad. She said that his nor my phone number was listed on the transaction. She said that there was nothing that could be done to lift the restriction from my checking account. 

They are not lifting the restriction so that I can get the money from my account. Because they completed deleted my savings account, it prevented me from fulfilling the requirements of the bank bonus, costing me {$600.00}. They also might take back the {$300.00} bonus that went to my checking account. 

I have spoken to over a dozen people at XXXX and no one has been able to help me. They refuse to give me any more information or a way to fix this. I asked what could be done, and no answer was provided to me. 

After my phone call on XX/XX/XXXX, XXXX completely locked my account due to " unusual activity '' and I am no longer able to get in. 

They said they couldn't help me because they sent me an email, but I did not see it in time due to working. I only found out about the issue when I received the letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I accept a credit card offer and received a credit card from XXXX XXXX company located in XXXX, XXXX  etc. The credit card available credit was {$700.00}. An offer included an option to add a credit card projection insurance in case of loss of income by means of job layoff etc. I check the yes block for the credit protection add on insurance. 
In the interim of using the card to purchase required items, I lost my job. I immedicably reported my unexpected job lost to the XXXX XXXX requesting the insurance be applied to pay off the balance. 

Experiencing financial difficulty trying to find work. XXXX XXXX failed to informed me their decision to not use the insurance coverage for payment, instead sent a letter stating they have charge off my account sent to Resurgent collection agency. It became significantly problematic and confusing that I not only received a collection letter form XXXX, also XXXX XXXX XXXX and XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My student loans were on deferral and/or forbearance. I applied for a new deferral, and for an income based repayment plan. The income based repayment plan was recently approved. For the forbearance/deferral, I sent them documents to support my request. 

Even though my deferral/ forbearance was approved in XXXX, AIDVantage reports my XXXX XXXX as XXXX and 120 days late, for just XXXX months, about XXXX months ago. This was when my loans were in forbearance/deferral, and my income based repayment application was in process. The reported this retroactively for months in the past, even though my applications were approved, and my loans show as current ever since. 

I've requested that they remove the late payment reporting, as my loans have been in deferral / forbearance, but they refused. 

Because of the error in reporting, I'm unable to get housing. I'm currently homeless, and the impact to my credit score is so severe that no place will accept me.

AIDVantage never provided any information about why they reported them late, for just XXXX months ... and never told me what I can do to fix it. 

My student loans have been reported as current ever since, as the forbearance / deferral was approved and is in effect until I make my first payment under the income based program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union didn't do as the fair credit act required, they keep reporting negative items on my credit, as Of XX/XX/year> they took XXXX points after they closed the account with XXXX XXXX XXXX, I never opened an account with XXXX, and they closed the account in XXXX of XXXX, I don't ole this company any money, I called them personally. Trans Union has toking well over XXXX points in the last XXXX years from me. without even doing an investigation, the harassment comes from them trying to stand behind XXXX XXXX for fraud, my statement was I surrender the car to XXXX XXXX XXXX, it was paid off with XXXX XXXX XXXX, I sent those Documents in. I have a right to dispute without retaliation this effects my business as well as my quality of life. XXXX  hasn't taken any points as of XX/XX/year>, and the other credit reporting agencies are still following up from my last dispute. If you check my last dispute with XXXX XXXX XXXX, you'll see that while they were checking my dispute, they filed another mis payment in 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 2025-06-22 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis continues to claim that a false tax lien record is accurate and refuses to provide the source of the information. I contacted the IRS and explained LexisNexis continues to allege they verified the information. The IRS stated they do not verify this information at all and that the tax lien record was void because of the identity theft affidavit filed and it was withdrawn. LexisNexis continue to violate the law by alleging this information is true and it is not. This is a false record and LexisNexis has no way of verifying this information in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and have filed a report with the FTC. I submitted a dispute to the credit bureaus under the FCRA, requesting the removal of accounts, inquiries, and personal information that do not belong to me. Despite providing sufficient documentation ( FTC ID Theft Report, proof of identity, and address ), the bureau ( s ) failed to properly investigate and resolve my dispute as required under 15 U.S.C. 1681i.

To Whom It May Concern, I am formally disputing and requesting immediate deletion of inaccurate and unverifiable information listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, 1681s-2, and 1681c.

I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and am enclosing my Identity Theft Report, government-issued identification, and proof of address. 

The following items are being disputed and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed {$1900.00} - XXXX XXXX {$1800.00} ( Needs Attention ) - XXXX Closed {$0.00} - XXXX  Closed {$0.00} XXXX XXXX  Hard Inquiries ( Unauthorized / Identity Theft ) : 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 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 XXXXXX/XX/XXXX In addition to the above, I am requesting : - Removal of all incorrect names and addresses from my credit file - Permanent deletion of all closed and paid accounts that are not legally verifiable or are obsolete - Removal of any reported late payments I demand a full reinvestigation of these items. If they can not be verified, they must be removed from my credit profile. Please send me a new copy of my updated credit report reflecting these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I am a victim of identity theft and have filed a report with the FTC. I submitted a dispute to the credit bureaus under the FCRA, requesting the removal of accounts, inquiries, and personal information that do not belong to me. Despite providing sufficient documentation ( FTC ID Theft Report, proof of identity, and address ), the bureau ( s ) failed to properly investigate and resolve my dispute as required under 15 U.S.C. 1681i.

To Whom It May Concern, I am formally disputing and requesting immediate deletion of inaccurate and unverifiable information listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, 1681s-2, and 1681c.

I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and am enclosing my Identity Theft Report, government-issued identification, and proof of address. 

The following items are being disputed and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed {$1900.00} - XXXX XXXX {$1800.00} ( Needs Attention ) - XXXX Closed {$0.00} - XXXX  Closed {$0.00} XXXX XXXX  Hard Inquiries ( Unauthorized / Identity Theft ) : 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 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 XXXXXX/XX/XXXX In addition to the above, I am requesting : - Removal of all incorrect names and addresses from my credit file - Permanent deletion of all closed and paid accounts that are not legally verifiable or are obsolete - Removal of any reported late payments I demand a full reinvestigation of these items. If they can not be verified, they must be removed from my credit profile. Please send me a new copy of my updated credit report reflecting these corrections.

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 2025-06-22 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: FL

Complaint narrative:
I sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect. I have also disputed this information with you, the CFPB. I am requesting your agency demand this inaccurately reported account be deleted from all three credit reporting agencies. I intend on exercising my rights by communication this negligence to multiple agencies. Thank you for you attention. I have attached the information, regarding this account and it's reporting from all three agencies.

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 2025-06-22 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: MI

Complaint narrative:
Hi, I need to upload some additional information. My original COMPLAINT ID is XXXX. Discover systematically hides interest charges by : 1. Excluding them from 'Activity ' feeds ( unlike purchases/payments ) 2. Burying them in statement footers This violates : - TILA 1026.7 ( b ) ( 6 ) ( Prime Location rule ) - CFPA 's prohibition on 'Dark Patterns ' ( 12 USC 5531 ) This led to me having to pay interest for almost XXXX  months, without any notifications. Please see the attachment! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-22 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: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX XXXX XXXX got a copy of my credit report without my ok RegionalAcceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I did not give pro mission to get a copy of my credit report -- - I got a lot of inquiries on the date of XX/XX/XXXX and XXXX 2025 please remove 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 2025-06-22 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: OK

Complaint narrative:
XXXX XXXX XXXX has a collection on my Equifax report for XXXX it says date opened XX/XX/year> and first delinquency XX/XX/year> so once again I was delinquent before I ever opened the account

Company response to consumer: Closed with non-monetary relief