vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XX/XX/year> I emailed Capio partners requesting debt validation. 
They responded and said it could " take time '' Upon speaking with the rep XXXX, she advised that I should set up a payment plan even before my debt was validated. I was told they are sending an itemized bill from the hospital which violates XXXX. Below is the letter I sent for debt validation. I canceled a payment plan until the debt can be legally validated as mine. 

I am responding to your contact about an alleged debt you are trying to collect. 

Please supply the information below so that I can be fully informed about the alleged debt : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. 
The name and address of the original creditor and any other names used. 
A copy of the original contract or other agreement. 
The name of any other person that is or was required to pay the alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 

The amount and age of the debt, including : Provide a copy of the last billing statement sent to me by the original creditor. 
State the amount of the alleged debt when you obtained it. 
State the date when you obtained the alleged debt. 
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. 
Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. 
Provide an itemization showing any payments since the last billing statement from the original creditor. 
State when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
State when you think the statute of limitations expires for this debt, and how you determined that. 

Details about your authority to collect this debt, including : Provide the number of any license to collect debt in XXXX and the name of the issuing agency. 
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency. 

Please treat this debt as disputed until you provide the information requested. Please remove from my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: TX

Complaint narrative:
A car dealership, XXXX XXXX XXXX requested a check ( $ XXXX ) to HOLD until purchase of car was complete. There was no purchase, no car. They were not authorized to cash check. They withdraw check funds electronically from my Discover Bank money market account. I called XXXX, no response. I called Discover 3 times and they said they could not get involved because of Reg 3. I read Reg 3 and asked them for specific citation. They could not respond and said they had no one who could. I asked if they had legal rep who could provide me specific citation that to my case, they say no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to dispute inaccurate or unverifiable information appearing in my credit report provided by your agency. As outlined in 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of the following entries. If the information can not be verified as accurate and complete, it must be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: ADP Inc.
State: CA

Complaint narrative:
I filed a dispute on XX/XX/year> for {$500.00}. I used the ATM and no money was suspended but taken out of my account and I just want my money back. A corresponding letter was sent to the wrong address on file and I couldn't qualify for provisional credit because of this and it's going on over 30 days now and I just want my funds back to my wisely card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXXXX/XX/year>, Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Transunion regarding false information being reported on my credit report. Transunion is reporting under Public Records that I filed XXXX XXXX on XX/XX/XXXX, and that this information was reported to them by US BKPT CT XXXX XXXXXXXX. I sent them proof from the United States Bankruptcy Court, Office of the Clerk verifying that the Bankruptcy Court does NOT report information to the credit bureaus. I have also included proof of signature that they received my certified letter, however they did not take the proper actions required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) which states that they must remove any false information 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AR

Complaint narrative:
In XX/XX/XXXX, Checkr provided a background report that led to my deactivation from multiple platforms including XXXX and XXXX. I did not receive any pre-adverse or adverse action notices before being deactivated, which violated my rights under the Fair Credit Reporting Act ( FCRA ). This inaccurate report caused me to lose income and suffer emotional distress. 

On XX/XX/XXXX, I submitted a dispute and demand for reinvestigation. Checkr responded and revised the report but offered no compensation for the harm caused. I believe Checkr failed to ensure maximum possible accuracy and did not follow proper procedures under FCRA. I am requesting that CFPB hold Checkr accountable and assist in securing appropriate compensation for the damages I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A list of the disputed inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) I am disputing several unauthorized hard inquiries on my Equifax credit report dated XX/XX/XXXXXXXX  and XX/XX/XXXX. I submitted a formal dispute to Equifax, requesting validation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ). 

Equifax closed the dispute by stating that inquiries are a factual record of file access and will remain for two years. However, they failed to : Provide evidence of permissible purpose for each inquiry ( 15 U.S.C. 1681b ) Provide a copy of the authorization or application with my signature Identify who verified the inquiries and how the reinvestigation was conducted ( as required under 1681i ( a ) ( 6 ) ( B ) ( iii ) ) This violates my rights under the FCRA. The burden is on Equifax to confirm that each inquiry was legally permissible. Without documentation or a consumer-signed authorization, these inquiries are unverified and must be removed.

I am requesting that the CFPB investigate this matter and ensure Equifax provides proper documentation or deletes the inquiries in accordance with federal 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 2025-07-17 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-07-17 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: CA

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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: CT

Complaint narrative:
The fees on this card are excessive. with monthly and annual fees. 

request to waive monthly fees for a low balance card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
This account is outdated and has been unlawfully re-aged by XXXX. The original delinquency began in XX/XX/XXXX, and the charge-off occurred in XXXX. Under the FCRAs 7-year reporting rule, this account is scheduled to fall off by XX/XX/XXXX. However, XXXX re-reported the account in XX/XX/XXXX, making it appear more recent than it is a clear case of re-aging, which violates FCRA Section 605 ( c ). 
I have tried multiple times to have this corrected or removed. XXXX  has already updated their records to reflect the correct timeline. I am now requesting that XXXX  delete this account immediately due to repeated inaccurate reporting and continued damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-17 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: NV

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking XXXX XXXXXXXX it shows the delivery date of XX/XX/year> at XXXXXXXX XXXX in XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts XXXX XXXX XXXX - {$1900.00} ( account XXXX XXXX XXXX XXXX XXXX  - {$930.00} ( account XXXX XXXX XXXX XXXX XXXX - {$1000.00} ( account XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} ( account XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$3200.00} ( account XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$22000.00} ( account XXXX XXXX XXXX XXXX XXXX {$5900.00} ( account XXXX XXXX XXXX XXXXXXXX - {$1500.00} ( account XXXX XXXX XXXX XXXX XXXX - {$34.00} ( account XXXX XXXX XXXX XXXX XXXXXXXX - {$66.00} ( account XXXX XXXX XXXX XXXX XXXX - {$460.00} ( account XXXX XXXX XXXX XXXX XXXX - {$1500.00} ( account XXXX XXXX XXXX XXXX XXXX XXXX  - {$640.00} ( account XXXX XXXX XXXX Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-07-17 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I am submitting this dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, as I have identified accounts on my credit report that were fraudulently opened due to identity theft. These accounts are inaccurate, incomplete, and do not belong to me.

Under 15 U.S. Code 1681c-2, I am formally requesting that these fraudulent accounts be blocked and removed from my credit report. I did not authorize the creation of these accounts, nor did I provide consent for any activity related to them.

Additionally, under 15 U.S. Code 1681i, I am requesting that a reasonable investigation be conducted regarding the accuracy of these accounts. In accordance with the law, I request that the credit reporting agency delete or correct all information that is found to be inaccurate or unverifiable within the required 30-day timeframe.

I am including a copy of my Identity Theft Report, a government-issued photo ID, and a utility bill as proof of address, in compliance with FCRA documentation requirements. 



Please consider this a formal dispute and take all appropriate actions under the law to remove the inaccurate, fraudulent information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NV

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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