vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please verify these accounts. If you are not able to verify these accounts belong to me, please delete from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file a suit against you for any future violations of this law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX  - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact to Equifax to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
All accounts including checking, savings pledge loans and credit card account was closed because of 3 XXXX incoming transactions totaling approximately XXXX $ from unknown sender. The sender disputed the transactions and XXXX took the money from my account and flagged my account fraud and closed all my accounts with no warning. Those were my personal and primary accounts. Therefore tanking my credit by lowering my credit card limit and restricting all accounts and closing them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: KS

Complaint narrative:
I recently reviewed my credit report and saw that there are fraudulent collections reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I filed multiple disputes with the credit reporting agencies and they refuse to remove incorrect information. According to the fair credit reporting act all of these items need to be removed immediately and permanently.

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 2025-07-23 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: OH

Complaint narrative:
I filed multiple disputes with the credit reporting agencies and they refuse to remove incorrect information. According to the fair credit reporting act all of these items need to be removed immediately and permanently.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Credit report shows a XXXX  card but when I contacted Chase they confirmed that I am not a current user on a card. I do have an application for a card however this card is showing as existing for over 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
I looked at my credit report yesterday and noticed that Trans Union and Experian and accurately reported seven payments from XXXX XXXX on dates XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is inconsistent with my XXXX  credit report that shows no late payments for XXXX XXXX .. these XXXX XXXX XXXX my federal consumer privacy rights under 15 USC 1681. I also provided proof of the inaccurate reports.

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a posted charge on my Bank of America Visa card on XX/XX/year> in the amount of {$6700.00} which I disputed because the item I paid for was damaged. ( There were a total of 4 pieces of furniture, and 3 pieces were damaged. ) One of the items was taken back to the warehouse because of the damage. I am disputing this charge because the quality of the merchandise was not satisfactory, and not all items have been delivered.

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 2025-07-23 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:
did not initiate these credit inquiries. They could be signs of identity theft and must be handled immediately. Supporting documents are enclosed.

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 2025-07-23 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
The collection is for XXXX. It was direct tv now its coming from XXXX XXXX XXXX. The equipment was returned years ago but they have now opened the collection with credence and its now on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am resending this complaint to TRANSUNION regarding the continuous reported inaccurate, unverifiable, and misleading information and accounts to my personal credit report that is still certifiably compliant, proven valid, or documented as fully true and physically verified. 

I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2025-07-23 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: Nelnet, Inc.
State: FL

Complaint narrative:
My credit score was impacted negatively this year due to student loans being reported to credit companies, due to this my score dropped a significant amount of XXXX points. My information with student loans should not have been reported to an agency that has nothing to do with the Dept of Education. I am current on my student loans as of today but due to the impact on my credit score I am not satisfied with the " resolution '' they came to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
Multiple accounts on my consumer report are directly linked to identity theft, and I never provided written authorization or a wet signature for their inclusion on my credit file. I previously contacted your organization about this serious matter and am now formally demanding the immediate blocking and removal of these fraudulent accounts from my report. The continued presence of these unauthorized items has caused substantial emotional and financial distress by creating an inaccurate representation of my actual credit history and financial obligations. These fraudulent entries have significantly impacted my ability to achieve critical financial objectives, including purchasing a home and adequately providing for my family 's needs. Without appropriate resolution of this identity theft issue, I am fully prepared to pursue legal action to protect my consumer rights and seek proper remediation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I filed multiple disputes with the credit reporting agencies and they refuse to remove incorrect information. According to the fair credit reporting act all of these items need to be removed immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct 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 non-monetary relief
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I am disputing the reporting of a charged-off account by the following that appears on my Equifax/Experian/TransUnion credit report. 
This account is being reported inaccurately and incompletely, and violates my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i : Credit bureaus must reinvestigate and delete unverifiable items FCRA 1681e ( b ) : Data must be reported with maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information known to be inaccurate The creditor has failed to validate this charge-off with complete documentation. There is no full payment history, the status and balances are conflicting, and no original validation from the creditor has been provided despite my written dispute.

I am requesting the CFPB require [ Company Name ] to immediately delete this charge-off from my report or provide verifiable documentation from the original creditor, as required by federal XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Past Due : {$960.00} Remarks : Account charged off. No payment history shown. Potential re-aging concern. 
XXXX. XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Past Due : {$1400.00} Remarks : Account sold to XXXX. No original creditor validation. 
XXXX. XXXX ( Credit Card ) Account XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$640.00} Remarks : Charged off. No payment history shown. Incomplete reporting. 
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$760.00} Remarks : Charged off. Reporting no recent activity. Incomplete. 
XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$1200.00} Remarks : Charged off. No payment record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I am disputing the reporting of a charged-off account by the following that appears on my Equifax/Experian/TransUnion credit report. 
This account is being reported inaccurately and incompletely, and violates my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i : Credit bureaus must reinvestigate and delete unverifiable items FCRA 1681e ( b ) : Data must be reported with maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information known to be inaccurate The creditor has failed to validate this charge-off with complete documentation. There is no full payment history, the status and balances are conflicting, and no original validation from the creditor has been provided despite my written dispute.

I am requesting the CFPB require [ Company Name ] to immediately delete this charge-off from my report or provide verifiable documentation from the original creditor, as required by federal XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Past Due : {$960.00} Remarks : Account charged off. No payment history shown. Potential re-aging concern. 
XXXX. XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Past Due : {$1400.00} Remarks : Account sold to XXXX. No original creditor validation. 
XXXX. XXXX ( Credit Card ) Account XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$640.00} Remarks : Charged off. No payment history shown. Incomplete reporting. 
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$760.00} Remarks : Charged off. Reporting no recent activity. Incomplete. 
XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Status : Charged-Off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$1200.00} Remarks : Charged off. No payment record.

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 2025-07-23 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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