vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: MA

Complaint narrative:
In early 2024, I discovered an XXXX account fraudulently listed on my Experian credit report. I immediately contacted XXXX to dispute the account and was told that my personal information including name, address, phone, and email could not be matched to the account in their system. They confirmed that the account was not opened by me and was fraudulent. 

Despite XXXX  confirmation that this account is not mine, the tradeline remains on my Experian credit report months later, damaging my credit and preventing me from qualifying for a mortgage. Ive made multiple attempts to have it removed, and have received no resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and block fraudulent information. This account violates : FCRA 605B failure to block fraudulent data after identity theft is confirmed FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681s-2 ( b ) failure to properly investigate disputed information FDCPA 807 ( 8 ) furnishing false or misleading credit data I am requesting the CFPB to intervene and compel both XXXX and Experian to immediately and permanently delete this account from all consumer reporting agencies. The continued presence of this fraudulent account is unlawful, unfair, and harmful to my financial well-being.

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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This company is willfully violation Federal statute 15 USC 1692g by refusing to provide written verification that they are terminating all forms of communication, after me notifying them that I refuse to pay an alleged debt and wish they cease all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. Besides this item being removed and reinserted 6 times in a row without proper notification. 
I have never been notified of this collection action by MRS BPO LLC or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : 1. A copy of the original contract or original purchase agreement that created the alleged debt. If the original & contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.

3. Also include full accounting history from the original creditor, including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

4. If any interest or fees have accrued or be
en added to the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of GEORGIA, including your third-party Debt Collection Bond Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Phone Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries that appear on my credit report. I reviewed my credit file and identified inquiries that I did not initiate, authorize, or provide written consent for.

Below are the details of the inquiries in question : XXXX XXXXXXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX SXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), inquiries require my explicit permission. I have not applied for credit with these companies, and I believe these may be a result of identity theft or unauthorized use of my personal information.

Please investigate these inquiries and remove them from my credit report. I have also included a copy of my government-issued ID and proof of address to verify my identity.

Enclosures : Copy of Drivers License or State ID Copy of utility bill or bank statement ( proof of address ) Please send written confirmation once these inquiries have been removed. If any of them are found to be valid, please provide documentation showing that I authorized the inquiry. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Phone Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries that appear on my credit report. I reviewed my credit file and identified inquiries that I did not initiate, authorize, or provide written consent for.

Below are the details of the inquiries in question : XXXX XXXXXXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX SXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), inquiries require my explicit permission. I have not applied for credit with these companies, and I believe these may be a result of identity theft or unauthorized use of my personal information.

Please investigate these inquiries and remove them from my credit report. I have also included a copy of my government-issued ID and proof of address to verify my identity.

Enclosures : Copy of Drivers License or State ID Copy of utility bill or bank statement ( proof of address ) Please send written confirmation once these inquiries have been removed. If any of them are found to be valid, please provide documentation showing that I authorized the inquiry. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
b'I am writing to formally dispute inaccurate or outdated information appearing on my credit report, as provided to me by your agency. Specifically, the items listed below are showing to have balances owed despite being paid in full and resolved.  \nThe items in question:\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 XXXXThis account was paid in full by insurance with no balance owed'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
b'I am writing to formally dispute inaccurate or outdated information appearing on my credit report, as provided to me by your agency. Specifically, the items listed below are showing to have balances owed despite being paid in full and resolved.  \nThe items in question:\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 XXXXThis account was paid in full by insurance with no balance owed'

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 2025-07-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am disputing a Citibank credit account that does not belong to me. The account is listed as a secured credit card opened in XXXX 2021under my SS ending in XXXX but apear as XXXX XXXX XXXX, and although it is now marked as closed and paid in settlement, I never opened or authorized this account. 

I submitted documentation proving my identity, including a legal name and government-issued identification. However, Citibank has not provided any verification that connects this account to me, nor have they properly responded to my dispute. 

Despite being closed, this account still appears on my credit report with a statement indicating it was settled for less than the full balance and that {$470.00} was written off. This is negatively affecting my creditworthiness and does not reflect my financial behavior, as the account was never mine. 

I request a full investigation and the permanent removal of this account from my credit file

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I explained exactly what happened and that my card was charged unauthorized to a certain merchant several times. I lost my phone and wallet during a bike ride along the trail. When I finally got a new phone and logged into my account I noticed several charges that were unauthorized. I disputed the charges and explained exactly what happened. After several days " investigating '' they denied my disputes. I called and asked for documentation with details exactly how they determined there were no errors. They did not comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
The accounts and inquiries listed in the Identity theft were fraudulently open without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
The accounts and inquiries listed in the Identity theft were fraudulently open without my consent.

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 2025-07-19 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: I.C. System, Inc.
State: NC

Complaint narrative:
IC systems have a debt on my credit reports that is not mine.

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 2025-07-19 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-19 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: NY

Complaint narrative:
I am submitting this formal complaint against Equifax , Inc. for its refusal to comply with its arbitration obligations and for engaging in unfair and deceptive business practices that harm consumers. 
Background and Issue Summary : In XX/XX/year>2025, I initiated arbitration through the XXXX XXXX XXXX ( XXXX Case No. XXXX ) concerning a consumer dispute with Equifax. 
Equifax failed to pay its required share of arbitration fees by the XXXX deadline of XX/XX/year>2025, in violation of its arbitration agreement and XXXX XXXX XXXX XXXX. 
Despite Equifaxs procedural noncompliance, the XXXX closed the case on XX/XX/year>2025, effectively denying me access to a fair dispute resolution forum. 
Equifax has further demonstrated bad faith by disputing service, denying arbitration applicability, and offering settlement amounts conditioned on withdrawal of arbitration. 
Equifaxs conduct constitutes willful procedural obstruction and breaches its contractual obligations. 
Legal Violations and Consumer Harm : Equifaxs actions violate several important legal protections designed to ensure fair treatment of consumers, including but not limited to : 1. Federal Arbitration Act ( FAA ), 9 U.S.C. 1-16 : Mandates enforcement of valid arbitration agreements and prohibits parties from evading arbitration obligations in bad faith.

2. New York State Unfair and Deceptive Acts and Practices Statute ( UDAP/UCPA ) : Prohibits unfair, deceptive, or unconscionable business practices that cause consumer harm. Equifaxs refusal to pay arbitration fees and obstruction of the process constitutes unfair and deceptive conduct under this statute.

3. Consumer Protection Laws : Equifaxs actions undermine consumers statutory rights to access dispute resolution and remedy inaccurate or harmful credit reporting.

4. Good Faith and Fair Dealing : As a party to the arbitration agreement, Equifax has a legal duty to act in good faith. Their failure to timely pay arbitration fees and their tactics to avoid arbitration violate this duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-19 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: FL

Complaint narrative:
I applied for a credit card from XXXX in XX/XX/year> but the account was never verified, activated, or used. I complied with the issuers verification request and submitted a notarized identity verification document using a valid Florida notary. However, the issuer rejected the notarization because it was not completed at a public location such as a bank or library. This is an unreasonable and unlawful requirement, as Florida law does not distinguish between notaries based on where they work all commissioned notaries are equally authorized by the state. 

Florida Statutes 117.01 ( 1 ) The Governor may appoint as many notaries public as he or she deems necessary, each of whom shall be at least 18 years of age and a legal resident of this state. A notary public may perform notarial acts anywhere in this state.

This baseless policy prevented me from activating the card, even though I followed their instructions. Despite this, the issuer reported the account as open. I am requesting full deletion of this account from my credit reports. 

As a result, I never received access to the account, never used the card, and no credit relationship was established. Despite this, the company reported the account as open to the credit bureaus. This is inaccurate and misleading, as the account was never usable or valid. 

I contacted the issuer to resolve the matter and requested that the account not be reported or that it be removed. I received no resolution. I am requesting that the CFPB assist in having this account deleted entirely from my credit reports due to inaccurate status reporting and failure to verify the account before reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I applied for a credit card from XXXX in XX/XX/year> but the account was never verified, activated, or used. I complied with the issuers verification request and submitted a notarized identity verification document using a valid Florida notary. However, the issuer rejected the notarization because it was not completed at a public location such as a bank or library. This is an unreasonable and unlawful requirement, as Florida law does not distinguish between notaries based on where they work all commissioned notaries are equally authorized by the state. 

Florida Statutes 117.01 ( 1 ) The Governor may appoint as many notaries public as he or she deems necessary, each of whom shall be at least 18 years of age and a legal resident of this state. A notary public may perform notarial acts anywhere in this state. 

This baseless policy prevented me from activating the card, even though I followed their instructions. Despite this, the issuer reported the account as open. I am requesting full deletion of this account from my credit reports. 

As a result, I never received access to the account, never used the card, and no credit relationship was established. Despite this, the company reported the account as open to the credit bureaus. This is inaccurate and misleading, as the account was never usable or valid. 

I contacted the issuer to resolve the matter and requested that the account not be reported or that it be removed. I received no resolution. I am requesting that the CFPB assist in having this account deleted entirely from my credit reports due to inaccurate status reporting and failure to verify the account before reporting.

Company response to consumer: Closed with non-monetary relief