vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I requested the correction or deletion of inaccurate accounts that another credit reporting agency found to be incorrect and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX  XXXX Balance {$5800.00} XXXX XXXXXXXX XXXX Balance {$9500.00} XXXX XXXXXXXX XXXX Balance {$840.00} XXXX XXXXXXXX XXXX Balance {$3000.00} XXXX XXXXXXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} XXXX  XXXX Balance {$9100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00}

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 explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I requested the correction or deletion of inaccurate accounts that another credit reporting agency found to be incorrect and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX  XXXX Balance {$5800.00} XXXX XXXXXXXX XXXX Balance {$9500.00} XXXX XXXXXXXX XXXX Balance {$840.00} XXXX XXXXXXXX XXXX Balance {$3000.00} XXXX XXXXXXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} XXXX  XXXX Balance {$9100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PHOENIX RECOVERY GROUP regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PNIX REC GRP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PHOENIX RECOVERY GROUP buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
The information reporting on my credit profile is identity theft, and I am not responsible for the accounts and also the accounts are in accurate by missing account numbers and accurate amounts and dates and according to the federal fair credit act anything thats an accurate on your credit report such as missing account numbers invalid amounts, and invalid dates should be removed from your credit report according to the fair credit act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
Someone used my personal information without my permission to open fraudulent accounts in my name. I did not authorize these accounts and I was not involved in any transactions related to them. These accounts are not mine and are affecting my credit. I am requesting that all fraudulent accounts, inquiries, and negative marks resulting from this identity theft be permanently removed from my credit reports. I have attached documentation including my government-issued ID and proof of address to verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Someone used my personal information without my permission to open fraudulent accounts in my name. I did not authorize these accounts and I was not involved in any transactions related to them. These accounts are not mine and are affecting my credit. I am requesting that all fraudulent accounts, inquiries, and negative marks resulting from this identity theft be permanently removed from my credit reports. I have attached documentation including my government-issued ID and proof of address to verify my identity

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 2025-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful
noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXXXXXX, XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Creditor Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Credit Bureaus Reporting : TransUnion, Experian, Equifax To Whom It May Concern, I am submitting a formal complaint and dispute through the CFPB against the account listed above that is currently being reported on my credit file by all three major credit bureaus ( TransUnion, Experian, and Equifax ). This account is listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$1300.00} and is listed as a collection/charge-off. 

I am disputing this account on the grounds that I do not recognize or own this account and never entered into a financial relationship with the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no record of this debt and believe it may have been reported in error or as the result of identity theft or incorrect assignment.

Additionally, I have identified conflicting information between credit bureaus on : Account type ( Open vs. Collection ) Dates of last activity Payment history and past due amounts These inconsistencies further raise concerns about the accuracy and legitimacy of the reporting. 

Requested Resolution : Conduct a full investigation into this account.

Require the data furnisher ( XXXX XXXX ) and original creditor to provide full validation and proof of ownership, including signed agreements and account documentation. 
Remove this account from my credit report if ownership and validity can not be substantiated with verified documentation. 
I am attaching screenshots from my credit report showing the disputed account as reported across Equifax, TransUnion, and Experian. 

Please consider this a formal dispute and initiate an investigation under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your 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 non-monetary relief
Consumer complaint received 2025-06-25 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:
I submitted a formal identity theft dispute to Experian on XX/XX/year>, regarding fraudulent accounts in my credit report : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX Card - Account Number : XXXX Despite providing Experian with proper identity theft documentation ( including an FTC Identity Theft Report, ( FTC REPORT NUMBER : XXXX ) government-issued ID, and proof of address ), Experian failed to permanently block these accounts within the required four business days under FCRA 1681c-2 ( a ).

Further, accounts that were previously deleted have been reinserted into my credit report without providing the legally required five-day reinsertion notice, violating FCRA 1681i ( a ) ( 5 ) ( B ).

I requested a detailed explanation of the dispute investigation methods as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) but Experian has not provided this information. 
I have reason to believe Experian is relying solely on creditor responses submitted through the e-OSCAR system without obtaining or reviewing the original signed contracts that would substantiate these accounts. This process does not satisfy Experians legal obligation to conduct a reasonable investigation under the FCRA. 
If Experian can not obtain the original signed contracts for these accounts, along with evidence that I signed disclosures authorizing the release of this information to third parties, which supports the conclusions of the investigation, then these accounts must be permanently deleted from my credit report as unverifiable Supporting Evidence : FTC Identity Theft Report Government-issued ID Proof of Address Dispute letters and Experians responses

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX posted an apartment on XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX for {$2000.00} a month. She asked me to fill out a short form with some of my contact information and then I was contacted by her " landlord '' XXXX XXXX. He had me fill out a sublease contract that looked pretty legitimate. He then asked me to XXXX for the first month 's rent and security deposit ( {$3000.00} total ) and gave me the XXXX information for XXXX XXXX or XXXX XXXX. He told me his secretary 's name was XXXX XXXX but she is registered on XXXX as XXXX XXXX. XXXX limited the transactions to {$500.00} per day so I sent this account XXXX separate transactions of {$500.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Neither Chase nor XXXX flagged this as suspicious activity and allowed the transactions to go through. He got impatient with this and attempted to get me to send him money via different methods including a wire to his XXXX XXXX account, XXXX XXXX XXXX 's XXXX account, and XXXX XXXX or XXXX XXXX 's XXXX account. He told me his friend 's name is XXXX XXXX but she is registered on XXXX as XXXX XXXX. XXXX would not let me send money to XXXX XXXX XXXX so I tried XXXX XXXX or XXXX XXXX 's XXXX account for the remaining balance of {$1500.00} and it went through. I'm not sure why Chase nor XXXX didn't limit me to the {$500.00} XXXX for new recipients this time. I'm also not sure why Chase nor XXXX flagged that the recipient 's name did not match their XXXX registered name. Neither Chase nor XXXX is taking any responsibility in protecting their customers from situations like this. XXXX then told me he would meet me at the apartment building on XX/XX/XXXX at XXXX. I arrived on time and he then told me he had a flat tire. He asked me to meet the next morning instead and then slowly stopped responding. I have screenshot evidence of all transactions and communication if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Let me be absolutely clear : this is a legitimate and urgent complaint that demands immediate action. My credit report contains inaccurate information that fails to meet the legal requirement for maximum possible accuracy. These errors are causing serious and ongoing harm to my financial standing, emotional well-being, and overall quality of life.

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX - On XXXX credit report they're reporting that they are the original creditor and another report it's reporting that the original creditor is XXXX XXXX. 
Account number is XXXX ; Balance is {$2500.00} XXXX XXXX XXXX is {$880.00} XXXX XXXX Account number is # # # # # # # XXXX XXXX XXXX XXXX XXXX Account number is 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 non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX - On XXXX credit report they're reporting that they are the original creditor and another report it's reporting that the original creditor is XXXX XXXX. 
Account number is XXXX ; Balance is {$2500.00} XXXX XXXX XXXX is {$880.00} XXXX XXXX Account number is # # # # # # # XXXX XXXX XXXX XXXX XXXX Account number is 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 2025-06-25 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: CA

Complaint narrative:
i am not reliable for this debt with XXXX XXXX XXXX, i do not have a contract with this company, they did not provide me with the original contract as i requested, this debt is not mine please remove

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 2025-06-25 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$960.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$960.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX * * * * Balance : {$560.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$570.00} 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 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 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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$960.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$960.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX * * * * Balance : {$560.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$570.00} 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 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 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 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 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I received a collection on my credit report around XX/XX/XXXX. I disputed the collection with all XXXX bureaus. XXXX XXXX XXXX  removed the collection because the company was unable to verify the debt. XXXX  contacted the actual company, which sold the account the collection company and came back and said that it was verified. They never contacted the collection company XXXX Credence Resource Management ) to verify the debt. I've tried to disputed this with XXXX  XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, this is when it was with another Collection company as well.

Company response to consumer: Closed with non-monetary relief