vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-07-28 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Chime Financial Inc
State: AR

Complaint narrative:
XXXX bank XXXX XXXX '' I'm unaware of this XXXX and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified mail '' with a receipt displaying my signature. If not please delete account " XXXX '' as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
Hi, To Whom It May Concern, I am contacting you regarding fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and my personal information was compromised during the Equifax data breach.

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me.

As required by law, I am providing the following documentation to support my request : 1. A copy of a government-issued ID 2. Proof of current mailing address 3. A copy of my Identity Theft Report filed with [ choose : the FTC or local law enforcement ] 4. A detailed list of fraudulent accounts and information to be blocked The following accounts were opened or affected fraudulently and must be removed immediately : XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XX/XX/XXXX please also remove following inquiries from my Credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which obligates consumer reporting agencies to block identity theft-related information within four business days of receiving the necessary documentation. 
Please confirm in writing that the fraudulent data has been blocked from my file. 


Thank you for your cooperation and immediate attention to 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 explanation
Consumer complaint received 2025-07-28 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
A Detailed Letter of the Complaint is Attached I have been trying to get a resolution to my issue since XX/XX/XXXX. This includes : Hours of phone calls, many emails and letters, and consistent " I'm sorry it has taken so long to get back to you ... '' ( paraphrased ) sent to me via this company. 

Contacted : XXXX XXXX XXXX times for help with address XXXX for Address Verification address verification XXXX XXXX XXXX  original mortgage holder XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX rebuttals filed and responded to ) Nebraska Department of Finance and Banking Here 's an example of a recent statement with various amounts ( hidden ) : XX/XX/XXXX Partial Payment Unapplied * XX/XX/XXXX Partial Payment Unapplied * XX/XX/XXXX Regular Payment XX/XX/XXXX Reversal of Regular Payment XX/XX/XXXX Reversal of Unapplied Payment * XX/XX/XXXX Reversal of Unapplied Payment XX/XX/XXXX Reversal of Regular Payment XX/XX/XXXX Reversal of Unapplied Payment * XX/XX/XXXX Reversal of Unapplied Payment * XX/XX/XXXX Reversal of Unapplied Payment * XX/XX/XXXX Reversal of Regular Payment XX/XX/XXXX Reversal of Unapplied Payment * XX/XX/XXXX Reversal of Unapplied Payment * XX/XX/XXXX Reversal of Unapplied Payment * XX/XX/XXXX Partial Payment Unapplied * XX/XX/XXXX Partial Payment Unapplied * XX/XX/XXXX Regular Payment - ( Due XX/XX/XXXX ) XX/XX/XXXX Partial Payment Unapplied * XX/XX/XXXX Regular Payment - ( Due XX/XX/XXXX ) XX/XX/XXXX Partial Payment Unapplied * {$0.00} XX/XX/XXXX Regular Payment - ( Due XX/XX/XXXX ) Read online reviews about this company and look at my experience. Why are they in business?

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 2025-07-28 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Account number : XXXX -XXXX XXXX XXXX Account number : XXXX -XXXX XXXX XXXX Account number : XXXX -XXXX XXXX Account number : XXXX -XXXX Account number : XXXX -XXXX XXXX XXXX Account number : XXXX -XXXX XXXX XXXX  Account number : XXXX -XXXX XXXX XXXX Account number : XXXX -XXXX XXXX XXXX Account number XXXX XXXX -XXXX XXXX Account number : XXXX -XXXX Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX  XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX  XXXX Inquired on XX/XX/XXXX -XXXX Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX -XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX  XXXX I Inquired on XX/XX/XXXX -XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX -XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX -XXXX XXXX VIA DEALER Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX  XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX -XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX  XXXX Account number : XXXX -XXXX XXXX XXXX Account number : XXXX -XXXX XXXX XXXX Account number : XXXX -XXXX  XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
These accounts do not belong to me and were created fraudulently. As mandated by USC 1681g, please remove them from my credit profile within XXXX days. I have provided evidence.

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 2025-07-28 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: FL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-28 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: PA

Complaint narrative:
I am filing this complaint against Experian for violating the FCRA ( 15 U.S.C. 1681i ). On XX/XX/year>, I sent a formal dispute via certified mail through XXXX to XXXX. XXXX XXXX XXXX, TX XXXX, which included court records, receipts, and other documented proof of multiple inaccuracies on my credit report. TransUnion and Equifax are both actively re-investigating the same dispute in good faith. However, Experian failed to conduct a proper reinvestigation, falsely verified the disputed information without merit, and issued a generic email stating dispute results ready that linked to a broken or non-secure portal. I received no written results, no updated report, and no explanation or proof of how any information was verified. This shows a clear pattern of negligence and bad faith, as well as misrepresentation of their dispute process. Experian is deliberately ignoring critical evidence and refusing to correct or remove inaccurate data.

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 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Mattress firm card charged me 56 % in interest on a {$2500.00} purchase and closed my account after never missing a payment and I didnt make minimum payments. Not much more to say about that, thats ridiculous.

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 2025-07-28 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: WA

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 XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} 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
Consumer complaint received 2025-07-28 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:
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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I have recently reviewed a copy of my credit report & noticed some unauthorized things on it that are detrimental to my credit health.

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 2025-07-28 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: GA

Complaint narrative:
I have recently reviewed a copy of my credit report & noticed some unauthorized things on it that are detrimental to my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TN

Complaint narrative:
I am refiling this formal complaint to EQUIFAX regarding multiple accounts that continue to be reported inaccurately and without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). Despite prior disputes, EQUIFAX has failed to ensure the completeness and accuracy of these tradelines, as mandated by federal law. Each account listed below reflects non-compliance with FCRAs requirements for data accuracy, source verification, and completeness of information provided to consumers. 

The following accounts are reported with severe factual and procedural deficiencies : XXXX ( XXXX ) reflects a charge-off without validated documentation from the original creditor, breaching FCRA 623 and Metro 2 reporting guidelines. XXXX XXXX BANK XXXX XXXX XXXX ) is reported as charged-off but lacks itemized payment history and proper charge-off notification under FCRA 607 ( b ) and 623 ( a ) ( XXXX ). XXXX XXXXXXXX XXXX ( XXXX ) reports a 60-day late without billing statement evidence, violating FCRA 623 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX XXXX XXXX ( XXXX ) lacks collateral and post-default records, making the data unverifiable under FCRA 611 ( a ). XXXX XXXX XXXX XXXX  ( XXXX ) shows inconsistencies with charge-off reporting standards, and XXXXXXXX XXXX ( XXXX ) lists late payments without supporting billing or fee assessments, violating FCRA 623 ( a ) ( 1 ) ( D ). Furthermore, XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) reports a debt with no ownership validation, breaching FCRA 623 ( b ) and FDCPA 1692g. XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX fails to provide a signed agreement or billing history, violating FCRA 609 ( a ). Lastly, XXXX XXXX reports late payments without a legal lending license or a disclosed billing agreement, constituting deceptive reporting practices under FCRA and UDAP standards. 

Under FCRA 611 ( a ) ( 5 ), I demand the immediate deletion of these accounts from my EQUIFAX credit report due to their unverifiable, incomplete, and inaccurate nature. If EQUIFAX opts to verify these tradelines, I require a full disclosure of the reinvestigation procedures, source of verification, and all supporting documents, as mandated under FCRA 611 ( a ) ( 6 ) ( B ) ( XXXX ). Continuation of this improper reporting will force me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider pursuing legal remedies for willful non-compliance under FCRA 616.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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