vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
On XXXX XXXX XXXX learned that my personal and financial information had been compromised as a direct result of the widely publicized Equifax data breach. This breach exposed my personally identifiable information ( PIl ) to unauthorized parties, which has since resulted in the fraudulent reporting of accounts, inquiries, names, addresses, and employment information on my credit reports. Despite my prior written disputes and documentation, Equifax has willfully failed to block or remove this fraudulent and inaccurate information as required by 15 U.S.C. 1681c-2.

1. Violation of 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) - I provided written notice that certain accounts and inquiries are the result of identity theft. - I supplied supporting documentation, including my identification and proof of address, to substantiate my claim. - failed to block the disputed items from my file within the required XXXX ( XXXX ) business days after receipt of my request, in direct violation of 1681c-2 ( a ). 2. Violation of 15 U.S.C. 1681e ( b ) ( Failure to Assure Maximum Possible Accuracy ) - continues to report incorrect names, addresses, and employment records that are not part of my true and accurate consumer identity. 3. Violation of 15 U.S.C. 1681i ( Failure to Conduct Reasonable Reinvestigation ) failed to conduct a lawful and reasonable reinvestigation into my disputes and failed to delete unverifiable data. 4. Violation of 15 U.S.C. 1681b ( f ) ( Obtaining a Consumer Report Without Permissible Purpose ) - Multiple unauthorized inquiries remain on my file from entities with no permissible purpose. I HAVE ATTACH THE FOLLOWING DOCUMENTS A COPY OF MY FTC REPORT, AFFIDAVIT FOR MY IDENITY, COPY OF LICENSE, CFPB COMPLAINT, DISPUTE LETTER, DATA BREACH CONFIRMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
I am filing a complaint regarding inaccurate reporting of my auto loan account with XXXX XXXX ( Acct ending in XXXX XXXX XXXX XXXX XXXX  ). This account is being reported as Collection/Charged Off to TransUnion and Equifax.

The issue is : The account is being reported as a derogatory collection/charge off, but the reporting is not accurate across the bureaus. 

Information is inconsistent between TransUnion and Equifax, including last reported dates and status. 

The furnisher has not provided proper validation or corrected the reporting after prior disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: Kriya Capital, LLC
State: IN

Complaint narrative:
On XX/XX/year>, I mailed a debt validation request via XXXX XXXX Mail  to the address listed on my XXXX credit report for Credence Resource Management. This was the official address XXXX published to consumers for this furnisher. 
The letter was returned by XXXX as undeliverable not known / unable to forward. This proves the collector is reporting information about me but is not providing a valid mailing address for disputes or validation, which prevents me from exercising my rights under federal law. 
Adding to the issue, my credit reports show different addresses for this same collector depending on the bureau. XXXX  lists XXXX address, while XXXX and XXXX  list another. This inconsistency itself demonstrates inaccuracy and confusion. A consumer should not be forced to guess which address is correct in order to dispute or validate a tradeline. Because of this : FDCPA 809 ( b ) : My debt validation rights were obstructed because the collector failed to maintain a valid mailing address.

FCRA 623 ( a ) ( 1 ) ( A ) : The furnisher is reporting tradeline information that is inaccurate and unverifiable.

FCRA 611 : XXXX XXXX XXXX XXXX  are publishing conflicting contact information and continuing to report despite evidence that the account is unverifiable. 
This account is actively damaging my credit profile, and neither the collector nor the credit bureaus have provided me with a reliable way to dispute or resolve the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-25 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: LEXISNEXIS
State: GA

Complaint narrative:
Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( XXXX ) identity-theft handling, ( XXXX ) reinvestigation duties, and ( XXXX ) accuracy of a public record. 

Statutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity XXXX Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a XXXX of XXXX ( MOV ) explaining the exact source ( XXXX ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. 

Public record inaccuracies ( XXXX XXXX ) : Across the XXXX nationwide CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( XXXX bureaus report XX/XX/year> ; another reports XX/XX/year> ). 

Reference numbers differ ( e.g., XXXX vs XXXX vs a long, vendor-styled string ). 

Closing date missing on XXXX bureau, even though others show XX/XX/year> and the status is Dismissed. 

Court identification varies ( XXXX Bankruptcy XXXX, XXXX XXXX CT GA XXXX, XXXX ) instead of a uniform, accurate court name. 

These discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. 

Identity-theft handling : I reported fraud and requested blocking under 605B. More than XXXX business days elapsed with no block placed, no adequate status update, and no explanation of verification steps. 

Unlawful reinsertions : Items previously removed have reappeared without the required XXXX notice and without proof of proper verification, violating XXXX ( a ) ( XXXX ) ( B ). 

Harm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My chase account was closed due to an issue outside of my control. I was depositing a check I was issued in exchange for a contract job. The check cleared but something happened with the persons accounts so my account was closed along with their account. I never had any bounced checks or negative accounts. Chase mailed me a cashier check of my balance. This account was opened in 2023 and closed that year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
ONCE AGAIN I BEEN HAVING THIS PROBLEM. Money was Zelle to an unknown person and I still havent gotten my money back from Zelle.i filed multiple complaints with Zelle still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I, XXXX XXXX, hereby formally notify you that I am a victim of identity theft by data trafficking as a direct result of the Equifax data breach. 
Currently, there is an account being reported on my credit history that I do not recognize, did not request, and never authorized. This account is completely fraudulent and has negatively impacted my credit history. 
Details of the fraudulent account : Creditor : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I demand that you immediately block and delete this fraudulent information from my credit history in all current and future reports. 
Enclosed with this letter is my Notarized Affidavit, which confirms my identity and certifies that I am a victim of identity theft, along with a copy of my government-issued ID and proof of address. 
I respectfully request a written confirmation sent to my mailing address, certifying that the above-mentioned account has been blocked and deleted in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief