vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
There are multiple unauthorized inquiries on my credit report that I did not initiate or approve. On my TransUnion and Equifax reports, the following hard inquiries appeared without my consent : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX ( Bank ) XX/XX/year> In addition, on my Equifax report there is a fraudulent account listed that I did not open : XXXXXXXX XXXX XXXX Account ending in XXXX, Balance {$64000.00}. 

I did not apply for credit with these companies, nor authorize these inquiries or this account. They are fraudulent and have negatively impacted my credit. I am requesting that the inquiries and the fraudulent XXXXXXXX XXXX account be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
XXXX and XXXX payments held due to lost card. XXXX payment sent to XXXXXXXX XXXX XXXXXXXX XXXX incare XXXX XXXX. Numbers request for previous deposits to be dispensed. Repeated calls by both parties to have funding release. None complied by the company. SSA states the bank should send a new card or send the money back to SSA. No communication between the two institutions. Need help getting XXXX XXXX funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 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: AL

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO 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 explanation
Consumer complaint received 2025-09-07 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: AL

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke to XXXX this morning who says no complaint to any entity can do anything about this reporting. I recently paid off my XXXX  year mortgage XXXX years early, XX/XX/scrub> 2025. I have paid all my creditors on time with XXXX late payments. He said I have XXXX derogatory mark, which is old and wouldn't affect current score, especially XXXX points. I was told paying off a mortgage or auto loan early is negative to my score because the account is closed early. It's like you make a monumental life accomplishment and you are rewarded negatively. You take XXXX steps forward with your credit score and get XXXX steps backwards. He said my credit card usage is higher than 30 % and I said they are all paid on time monthly, so if you use your credit It's negative and if you don't pay it's negative. In this economy a lot of people are using more credit, except the rich folks. We the middle class, now on the verge of the poor class, can not get ahead. I believe this is an inaccurate reflection of my credit worthiness and needs to be corrected.

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 2025-09-07 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Date Opened XXXX XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-07 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXXXXXX -Date Opened XX/XX/year> - Balance {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-09-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I bought a secure card prepaid gift card yesterday ( {$200.00} ) I immediately activated and checked the balance and it worked. As soonest I attempted a purchase it got blocked, I contacted customer service and got XXXX help. It appears this is an ongoing scam according to my research. I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I received the solicitation letter in the mail. I logged in on the site and was prequalified for more than I was asking them for they never called my phone. I received the email that they was gon na call my phone and I had to send them income verification, plus my banking information still to this day. I dont know why I have been denied. I have filled several applications out for this company it was approved and never got the loan. I have lost my car. I have lost a lot where I can not work. I have lost income because I was approved for {$5000.00} with {$140.00} payment. I asked them for {$2200.00} and they can not tell me why I was denied and I havent received the denial letter. They not putting out applications through when we qualify theyre not putting our applications through which causing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing a collection account being reported by Portfolio Recovery Associates. The account is inaccurate, unverifiable, and appears to be re-aged in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : The account is showing as Opened XX/XX/XXXX, but the Date of First Delinquency is XX/XX/XXXX. This makes the debt look newer than it is, unlawfully extending the reporting period. 
I submitted a dispute with the credit bureaus and requested full validation, including the original signed contract, complete payment history, and proof that Portfolio has legal authority to collect. 
Instead of providing documentation, Portfolio merely verified the account electronically. I never received validation directly, which violates the Fair Debt Collection Practices Act ( FDCPA ). 
The account continues to report inaccurate monthly notations, showing repeated Collection updates. This is misleading because a collection account can not be re-aged or re-reported as new each month.

On XXXX, the account has shown Invalid date errors in the comments section, confirming inaccurate reporting. 

Requested Resolution : I request that this account be deleted from all credit bureaus as it is unverifiable, inaccurate, and reported in violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AR

Complaint narrative:
I am writing to dispute several items currently reported on my TransUnion credit report that I believe are inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of the following accounts and public record information : The charge-off account reported by XXXX XXXX with an account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance of {$400.00}. I am disputing the accuracy of this charge-off as I do not believe this account has been reported correctly. The information may be outdated, misapplied, or incorrectly coded in your system. I am requesting a complete investigation and verification of the full payment history, current status, and any documentation used to justify the charge-off designation. If accurate and verifiable records can not be provided, I respectfully request that this account be permanently removed from my credit file in accordance with the Fair Credit Reporting Act. 
There are multiple collection accounts reported including XXXX accounts ending in XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX  with balances of {$19000.00} and {$8000.00} respectively, as well as accounts reported by XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX, ending in XXXXXXXX XXXX XXXX XXXX with a balance of {$550.00}, and XXXX, Original Creditor : XXXX XXXX  XXXX, ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$660.00}. I dispute the validity and accuracy of these accounts and request verification. 
Additionally, there is public information reported relating to a XXXX  XXXX Bankruptcy filed and reported on XX/XX/year> with reference number XXXX. I request that this public record be verified and accurately reported.

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to reinvestigate any disputed information and remove any information that can not be verified as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN

Complaint narrative:
My loan officer who is also the branch manager of the local cardinal Financial his name is XXXX XXXX ordered my XXXX on XX/XX/XXXX XXXX at least thats what he said over text. I thanked him. The next day XX/XX/XXXX at XXXX because I work night shift and sleep during the day I texted him when is the XXXX scheduled for the listing agent will need to know to let him inside the home. I received no reply on XX/XX/XXXX at XXXX I sent him?. On Friday XX/XX/XXXX at XXXX I sent him a message saying I would like to go with XXXX XXXX as a lender because I had called them and gotten an approval done due to being ignored and they surprised me with a much lower rate and payment. XXXX responded at XXXX telling me that rate doesnt come with a trade off and to send me their offer so he can see if he can beat it. Showing me that I as a person did not matter at all and was only worth attention when he saw he was going to lose the sale. My realtor informed me he had went on vacation with no notice to his client the client being me and no mention from him for the whole week as he ignored my texts which I know he received due to his immediate response upon my request to terminate our doing business together on XX/XX/XXXX at XXXX he informed me the appraisal I paid {$700.00} for did not happen as he scheduled it without telling anyone the day or time going on vacation with no notice and nobody was able to allow the XXXX inside to inspect the property at XXXX the same day I requested the appraisal be transferred to XXXX XXXX and sent the loan officers contact I for at XXXX XXXX so they could take care of the scheduling and move forward today is XX/XX/XXXX I have received no response as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: DISCOVER BANK
State: NJ

Complaint narrative:
Purchased woman 's parfum for my spouse online aXXXX XXXX XXXX XXXX XXXXor {$78.00} USD months ago. Never received the product, never shipped. Open a dispute case online with Discover Card Services. Discover claimed that they " received '' supporting documents however, not sharing the so-called valid information. I sent multiple screenshots as files of proof into the case however, I was still charged the full amount by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I opened a Chase checking account in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I was not told at that time that I only qualify for a " XXXX  chance '' acct. If I had been that I would have inquired & asked for information as to why? I am close to XXXX with XXXX years of credit cards, checking accts, savings acct, mortgages, investments, & car loans history. I am a very responsible person, my credit score is over XXXX. I just learned this acct I was given is for irresponsible people who are not " credit worthy '' on XX/XX/XXXX when I had to go to Chase because they were holding a wire sent to me. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX. This advisor was the most rude, arrogant, condescending, & misogynistic banking rep that I have ever had to deal with. He defamed me. He verbally slander my good name & reputation by telling ( open office & he was loud ) all the people in the Chase bank ( employees & customers ) that : I have this " secure '' account because I am a credit risk and unworthy banking history. I was told the system doesnt lie. I was denied any reports, information, access, or any details as to why Chase came to this decision. I asked to be upgraded to a normal checking & savings account & he said he could not do that. He gave me XXXX information. I was denied my rights under the FAIR CREDIT REPORT ACT. I had no idea that banks use XXXX XXXX XXXX XXXX. I should have been given my information back in XXXX when I was denied a normal account. I have gone almost a year not knowing I have to dispute some erroneous info that has been reported. Under the Fair Credit Report Act they are supposed to provide me the information. I had to research & XXXX on my own for days to find out about these ( XXXX ) agencies. XXXX has XXXX Data ( no negative items ) XXXX XXXX takes XXXX days to report back to me. I am beyond upset. Chase violated my rights & defamed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief