vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-07-13 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Acima Digital FKA Simp account # XXXX Im unaware of this dept and did not have the oppurtunity to dispute this account. If you believe you sent proper notifications please provide " certified mail '' with receipt displaying my signature. If not, please delete account # as soon as possible from report or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
XX/XX/2025 These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 


* * All these items will be required or under FCRA these illegal items must be removed within 30 days * * An explanation of what this illegal account is for. 

Documentation that shows I agree to pay this illegal debt The agreement that grants you authority to collect on this alleged illegal debt A copy of your state license, including state number. 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX XXXX XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX Transunion, and XXXX report. 

Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX XXXX XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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 non-monetary relief
Consumer complaint received 2025-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). 
I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX  XXXX Account Number : XXXX - Date Opened : XX/XX/year> Balance- XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft. 
Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. 
If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). 
I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX  XXXX Account Number : XXXX - Date Opened : XX/XX/year> Balance- XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft. 
Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. 
If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

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 2025-07-13 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: ID

Complaint narrative:
On XX/XX/year>, I recently reviewed a copy of my credit report and was shocked to find out I have been the victim of identity theft. I do not recognize these accounts. Please delete from my credit report as they are hurting my ability to obtain credit. 
XXXX XXXX XXXXXXXX {$23000.00} XXXX {$6600.00} XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX  {$11000.00} XXXX XXXX XXXXXXXX {$5300.00}

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXXXXXX  Equifax XXXX XXXX XXXX  XXXX, GA XXXX Re : Formal Dispute Inaccurate Reporting of Federal Student Loan Request for Deletion To Equifax Dispute Department , I am contacting you to dispute inaccurate information being reported on my credit report regarding a federal student loan account opened on XX/XX/XXXXXXXX XXXX 

The report shows 120 days late repeatedly each month, which is factually impossible and misrepresents the true status of the account. Once an account is 120 days late, it does not become newly 120 days late each subsequent month. This inaccurate reporting is artificially inflating derogatory marks on my report and harming my credit profile. This loan is also over 15 years old Additionally, this loan has been transferred or sold, and your records indicate Consumer disputes after resolution account transferred or sold. Reporting continuing monthly delinquencies after the transfer is inaccurate under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c, which requires accurate reporting and prohibits misleading representations of account statuses.

Given these inaccuracies, I am demanding the immediate deletion of this entire account from my credit report. Maintaining this tradeline in its current form is a violation of federal law and is materially and demonstrably inaccurate. 

Please complete your investigation within the required 30 days and send me written confirmation of the deletion. If this issue is not resolved promptly, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and consider all legal remedies available under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( Former last name XXXX ) XX/XX/XXXX XXXX XXXX of social XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase sent me a letter XXXX weeks ago stating my checking account was going to be closed due to abuse of claims? which I still don't know what that means this was my payroll account I'm devasted that they did this to me. at this time i have all my mail being forwarded to a XXXX XXXX because they keep stealing it. So, i got the letter late! What i don't understand is they are my financial institution. if they thought a claim wasn't valid, they could have just simply denied the claim. i called multiple time for fraudulent activity i had XXXX or more debit cards issued under account that isn't because I'm trying to scam you its because we live in a world where people have made it easier for themselves to access people 's information. I've been with chase for over 12 years i feel they are playing politics and because of my race they don't want me to bank with them, so they found this as an excuse I'm asking them to reverse their decision! I understand all banks got rid of XXXX but i find it very disrespectful that the years with this bank is just thrown out the window. Finding a bogus reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
About 2 months ago, access to my account was rescinded without warning. I later found out there was an issue with one of my patient 's accounts when they tried to pay and it was flagged as fraud. I was informed by my bank- XXXX that the problem would be resolved as I had done nothing wrong. It's been a month and by bank just informed me that Zelle will not reinstate my account. When I asked for an explanation, they did not provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
My personal information was stolen and exposed as part of the Equifax data breach. As a result, I have been the victim of identity theft and unauthorized credit activity. Despite submitting a prior complaint and supporting documentation, the following inaccurate and unauthorized XXXX  inquiries remain on my credit reports : * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} I am requesting that the CFPB take further action to hold the credit bureaus accountable for failing to fully investigate and remove these fraudulent items, despite clear evidence of identity theft and breach exposure. These errors are negatively impacting my creditworthiness and ability to obtain fair credit.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Andreu, Palma & Andreu, PL
State: TX

Complaint narrative:
I never received a written notice informing me of my right to dispute the debt or request validation before wage garnishment began. I only became aware of the garnishment when my employer notified me around XX/XX/XXXX. A deduction of {$88.00} was taken from my paycheck on XX/XX/XXXX, and another {$130.00} was taken on XX/XX/XXXX. 

The garnishment was based on a case I had no knowledge of. I was never served, never given proper notification, and never provided with documentation to verify the debt or dispute it. The collector relied on an outdated Florida address, even though Ive lived in Texas since XXXX of XXXX. 

Because of this, I was denied my legal right to respond or defend myself. This has caused extreme financial hardship as I rely on my full paycheck to meet basic living expenses. Im requesting that CFPB step in to investigate this matter and help stop these unlawful garnishments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
I am writing to formally dispute inaccurate information contained in my credit report maintained by your agency. As a victim of the XXXX XXXX  data breach, which exposed my personal information to unauthorized individuals, I believe fraudulent and/or inaccurate accounts or entries XXXX have been added to my credit report without my knowledge or consent. 

Under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), you are required to conduct a reasonable investigation of any disputed information, and remove or correct inaccurate, incomplete, or unverifiable items. 

The account ( XXXX ) listed in my adentity theft report are inaccurate and potentially the result of identity theft stemming from the XXXX  breach I am invoking the legal precedent set in XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which held that a credit reporting agency must do more than simply rely on the information provided by the furnisherit must conduct an independent and reasonable investigation. Failure to do so constitutes willful noncompliance with FCRA, for which damages XXXX be sought. 

Additionally, XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) underscores that credit reporting agencies that fail to take appropriate measures after a known data breach, like the one XXXX  suffered, can be held liable if consumers are harmed by fraudulent reporting.

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 2025-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company : Bank of America Issue : Unauthorized hard credit inquiry Date of Incident : XX/XX/year>XXXX  Bank of America made an unauthorized hard inquiry on XX/XX/year> without my consent or a credit application ( violating FCRA 1681b ). This inquiry is fraudulent and must be deleted. I've received no response from the bank despite disputing directly.

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 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XXXX, I visited XXXX XXXXXXXX XXXX in XXXX XXXX, NJ to purchase a car. I negotiated and agreed to an out-the-door price of {$20000.00}, and made a {$4000.00} deposit. The remaining {$16000.00} was to be financed through Ally Financial. 
However, after the paperwork was signed, I discovered that the dealership submitted a financing agreement for {$21000.00} instead of {$16000.00}, adding {$5000.00} more than I agreed to. I did not authorize this higher amount, and I never took delivery of the vehicle. 
When I confronted the dealership, they initially refused to cooperate and tried to pressure me into another vehicle. I had to involve local police to get a resolution. Eventually, the dealership refunded my full {$4000.00} deposit, and confirmed the deal was canceled. 
Despite this, Ally Financial has activated the {$21000.00} auto loan, and shows me as the borrower even though no vehicle was delivered and no transaction was finalized. Ally has been unhelpful, telling me they can not cancel the loan and that I should contact the dealership which is not responding or cooperating

Company response to consumer: Closed with explanation