vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
Dear CFPB, I am writing in response to the companys reply to my complaint filed on XX/XX/XXXX, regarding a charged-off loan account with Opportunity Financial , LLC ( OppFi ). 

I respectfully dispute the accuracy and completeness of the information provided by OppFi and request that this matter be reinvestigated or escalated. 

While the company claims the debt is valid, they failed to provide the following : 1. A breakdown of the balance increase from {$XXXX} to {$XXXX}. 
2. Proper chain of assignment showing their legal right to collect and report this debt after XXXX Bank originated the loan. 
3. Documentation supporting continued reporting after multiple third-party placements and charge-off. 

Additionally, this debt is nearing the XXXX credit reporting limit under the Fair Credit Reporting Act. The original delinquency occurred in XX/XX/XXXX, meaning the account should be removed from my credit report no later than XX/XX/XXXX. 

XXXX refusal to remove or suppress the account despite lack of payment or communication for over 6 years raises further concerns regarding fair and accurate reporting. 

I request that the CFPB : Reopen or escalate this complaint, Ask OppFi to provide full validation of the debt, including contractual ownership and itemized accounting, And confirm that all credit reporting on this account will be removed no later than XX/XX/XXXX in compliance with FCRA guidelines. 

Thank you for your attention to this matter. I appreciate your continued support in protecting consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NV

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  Date Opened XX/XX/2024

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my XXXX XXXX XXXX FINANCE ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-07-25 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:
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, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXXXXXX 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 : {$680.00} XXXX XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} 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 : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 



Under 15 U.S. Code 1681e ( b ) - Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) - Treatment of inaccurate or unverifiable information : If, after any reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 



I am requesting the immediate deletion of the following inaccurate or unverifiable items from my credit report. These accounts are causing harm to my credit and do not reflect accurate, complete, or verifiable reporting. 


XXXX. 
XXXX Status : Charged-off Balance : {$1200.00} Past Due : {$520.00} Date Opened : XX/XX/XXXX Account Number : XXXX Status Date : XX/XX/XXXX Comments : XXXX dispute resolved consumer disagrees XXXX. 
XXXX Status : Closed, Past Due Balance : {$1900.00} Past Due : {$1900.00} Date Opened : XX/XX/XXXX Account Number : XXXX Status Date : XX/XX/XXXX Comments : XXXX dispute resolved consumer disagrees

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at BANK XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX LL on XX/XX/XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report. I have reviewed my credit file and found an inquiry listed by [ XXXX XXXX ] on [ XX/XX/year> ] that I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries XXXX not be made on a consumers credit report without their explicit consent, usually in connection with a credit application. I have no knowledge of this inquiry and never granted authorization for [ XXXX XXXX ] to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report. I have reviewed my credit file and found an inquiry listed by [ XXXX XXXX ] on [ XX/XX/2023 ] that I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries XXXX not be made on a consumers credit report without their explicit consent, usually in connection with a credit application. I have no knowledge of this inquiry and never granted authorization for [ XXXX XXXX ] to access my credit report.

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 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) - Accuracy of Report, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

According to 15 U.S. Code 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information, if the information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted or corrected.

I am disputing the following accounts as inaccurate, unverifiable, or not mine.

I am requesting their immediate removal from my credit profile.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719. 
I presume that no proof of the alleged debts nor therefore any such debts in fact exist. 

XXXX XXXX XXXX XXXX Type : Credit Card Balance : {$25.00} Status : Open with 150-day late history Opened : XX/XX/XXXX Past Due : {$25.00} XXXX XXXX XXXX XXXX XXXX  Type : Credit Card Balance : {$380.00} Status : Open, 30 days late, 127 % usage Opened : XX/XX/XXXX Past Due : {$60.00} XXXX XXXX XXXX XXXX XXXX Type : Secured Loan Balance : {$0.00} ( Closed ) Status : Closed, 30 & 60-day lates Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Type : Auto Loan Balance : {$37000.00} Status : Charged Off with 17 late months Opened : XX/XX/XXXX Past Due : {$37000.00}

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 2025-07-25 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: IN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) - Accuracy of Report, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

According to 15 U.S. Code 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information, if the information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted or corrected.

I am disputing the following accounts as inaccurate, unverifiable, or not mine.

I am requesting their immediate removal from my credit profile.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719. 
I presume that no proof of the alleged debts nor therefore any such debts in fact exist. 

XXXX XXXX XXXX XXXX Type : Credit Card Balance : {$25.00} Status : Open with 150-day late history Opened : XX/XX/XXXX Past Due : {$25.00} XXXX XXXX XXXX XXXX XXXX  Type : Credit Card Balance : {$380.00} Status : Open, 30 days late, 127 % usage Opened : XX/XX/XXXX Past Due : {$60.00} XXXX XXXX XXXX XXXX XXXX Type : Secured Loan Balance : {$0.00} ( Closed ) Status : Closed, 30 & 60-day lates Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Type : Auto Loan Balance : {$37000.00} Status : Charged Off with 17 late months Opened : XX/XX/XXXX Past Due : {$37000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the accounts on my credit report with Equifax, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. I have not gotten any responses by mail. They have not provided any status of the disputes and they have not fixed the errors on my report. XXXX XXXX is reporting with Errors, yet all three bureaus did not fix it. Equifax is reporting a 30 day late in XX/XX/XXXX and The other bureaus are reporting a 30 day late payment in XX/XX/XXXX. Please update to pays as agreed, never late. The next account, XXXX is also reporting with errors. Experian reports a XXXX, XXXX, and a 90 day late. Transunion reports no late payment history. Please delete this immediately! Lastly the most eggrgious error on my credit report, CHILD SUPPORT. I have attached proof that the account does not exist and I have no liability for child support. The proof is a FINAL JUDGMENT where it states " ALL ARREARS ARE ORDERED STRICKEN, INCLUDING THOSE AT THE CLERK OF COURT AND THE DEPARTMENT OF REVENUE, AND ANY FUNDS SHOULD BE RETURNED TO XXXX. '' This is a blatant violation of my rights. The bureaus have refused to fix these errors and send me proof of investigation. Please help provide oversight to stop their shortcomings from harming me anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CBC Companies, Inc.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have an Account Activity Statement and Monthly Bill History furnished to me by XXXX XXXX which begin charges as of XX/XX/XXXX! I acquired the property by Deed dated XX/XX/XXXX and recorded in the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Background info : My Father, XXXX XXXX, died on XX/XX/XXXX ; thereafter I was duly appointed Administratrix of his Estate by the XXXX XXXX XXXX XXXX. Prior to his death, he maintained XXXX separate accounts for the XXXX properties. XXXX advised me that a tenant, XXXX XXXX, telephoned XXXX on XX/XX/XXXX to close all XXXX accounts as of XX/XX/XXXX. This was done illegally as she had no standing to do so and XXXX allowed it. With cold weather approaching, in XXXX, XXXX, I had gas and electric turned on ONLY for XXXX XXXX XXXX XXXX, XXXX, NY, in my name under account # : XXXX. I paid each and every month on time. On fact, on XX/XX/XXXX, a call was made by me to NG and per a recording, I was told that the balance on my account was XXXX! 
On or about XX/XX/XXXX, XXXX transferred an {$2900.00} unpaid balance to my account. This balance is that of the above tenant. 

Interesting to note that NG, its agents, servants and/or employees BROKE IN to the house at XXXX XXXX XXXX XXXX and XXXX tubular locks on the gas and electric meters, damaging the door and heating system. I believe the locks were removed on or about XX/XX/XXXX. I reported the break-in to the XXXX Police Department but XXXX I did not know the identity of the person ( XXXX ), and NG wouldnt identify anyone, nothing came of it. To date, this account has been turned over to XXXX XXXX XXXX, Allied Account Services, Transworld Systems, and XXXX XXXX XXXX. In fact, I was denied a credit card with Bank XXXX XXXX. I made calls to XXXX, wrote letters and emails, and filed a Complaint with the Federal Trade Commission and Consumer Financial Protection Bureau, all to no avail. I have all my notes of telephone conversations with XXXX and others, copies of letters and complaints should you need anything else. Also, the statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am XXXX XXXX owner of the chase account ending XXXX, an unauthorize wire was made from my account to the bank XXXX XXXX account ending XXXX, i come to chase to recall the wire and need recover my money Claim number : XXXX It was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

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 XXXX 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX BANK XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} REGIONALFN - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief