vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
Dear Experian I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these account to credit bureaus XXXX, Experian and XXXX. To support this request, I have included the following documents : 1. A copy of my government issued ID. 2. An Identity Theft Report from the FTC. 3. Proof of address Account name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Please confirm the account name, account number has been blocked and deleted within four ( 4 ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly. Thank you for you attention to this matter. Sincerely, XXXX XXXX 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 2025-06-30 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:
Subject : Experian Willful Violation of FCRA 605B After Identity Theft Submission To the CFPB, This is a formal escalation of my complaint against Experian, originally submitted on XX/XX/XXXX, concerning the continued reporting of unauthorized hard inquiries, false address information, and incorrect employer data. I submitted a complete identity theft report package under FCRA 605B, including : FTC Identity Theft Report Government-issued ID Social Security card Proof of current address Annotated credit report Despite this, Experian has failed to block or remove the fraudulent data, in clear violation of federal law. 

Disputed Items Still Being Reported : Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Verified Information : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Experian is in Violation of the Following Sections : FCRA 605B ( a ) : Failure to block fraudulent data after receiving complete identity theft documentation FCRA 605B ( b ) : No written explanation provided within 4 business days FCRA 605B ( c ) ( 3 ) : Illegal reinvestigation and/or communication with furnishers FCRA 607 ( a ) : Continued publication of inaccurate information after notice FCRA 610 ( a ) : Lack of reasonable procedures to comply with FCRA Requested Resolution : Immediate and permanent removal of all unauthorized inquiries listed above Deletion of all inaccurate address and employer information Written confirmation that these items have been removed as required by law Escalation of Experians failure to comply with 605B as a willful violation of federal law under FCRA 616 No further delays or partial responses are acceptable.

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 2025-06-30 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:
I filed for bankruptcy on XX/XX/XXXX, which was XXXX on XX/XX/XXXX ( XXXX XXXX. XXXX ). My student loans were included in this bankruptcy filing, which is a matter of public record. Despite this, Equifax and Experian continue to report these accounts with derogatory payment history, a balance owed, and a delinquent status, instead of accurately reporting them as included in bankruptcy with a {$0.00} balance. 

I disputed these inaccuracies multiple times with both Equifax and Experian, providing copies of my discharge paperwork and court documents as proof. Each time, they merely verified the accounts with the furnishers without conducting any meaningful or reasonable investigation as required under FCRA 1681i ( a ). Their investigation responses are boilerplate and fail to address the actual dispute or review public court records.

This continued false and misleading reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy discharge injunction under 11 U.S.C. 524 ( a
). Reporting discharged debts as delinquent or with balances owed constitutes illegal collection activity. Their refusal to correct this reporting despite multiple disputes, and despite the public record of my bankruptcy discharge, demonstrates willful noncompliance and gross negligence. 

As a result of their actions, I have suffered financial harm, including denial of credit applications, increased interest rates, higher insurance premiums, and emotional distress due to their reckless disregard for my consumer rights.

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 2025-06-30 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: GA

Complaint narrative:
XXXXXXXX XXXX  appears to be intentionally circumventing credit bureau systems by reporting variations of its business name, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and by reporting variations of the fraudulent account number, such as reporting my account number as XXXX, after a dispute, XXXX reports my account number as XXXX -- These tactics make it difficult to identify and dispute the fraudulent account and appear designed to mislead the credit bureaus automated systems, which violates the FCRAs requirement for furnishers to report accurate and complete information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Equifax continues to report the inaccurate information. Equifax fails to notify me within 5 days of the illegal re-insertions. XXXXXXXX XXXX fails to notify me within 5 days of the illegal re-insertion. 

XXXXXXXX XXXX  continues to refuse to provide documentation that proves ownership of account despite my demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
I am reporting that a fraudulent account was opened in my name without my knowledge or authorization. The account in question is associated with XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. 

I did not apply for or authorize this account, and I have no relationship or agreement with either of these entities. I believe this account was opened using my personal information without my consent. This is a clear case of identity theft. 

This fraudulent account has been reported to the major credit reporting agencies and is negatively impacting my credit file. In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ), I am formally requesting the removal and permanent blocking of this account from my credit reports.

I have also sent dispute letters to the credit bureaus and am in the process of submitting any additional documentation they require, including a copy of this FTC Identity Theft Report, to complete their investigation.

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 2025-06-30 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:
I am reporting that a fraudulent account was opened in my name without my knowledge or authorization. The account in question is associated with XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. 

I did not apply for or authorize this account, and I have no relationship or agreement with either of these entities. I believe this account was opened using my personal information without my consent. This is a clear case of identity theft. 

This fraudulent account has been reported to the major credit reporting agencies and is negatively impacting my credit file. In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ), I am formally requesting the removal and permanent blocking of this account from my credit reports.

I have also sent dispute letters to the credit bureaus and am in the process of submitting any additional documentation they require, including a copy of this FTC Identity Theft Report, to complete their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint against Bank of America for improperly handling a credit card dispute related to a {$3800.00} purchase made on XXXX XXXX XXXX I initiated a dispute on XXXX XXXX XXXX after the merchant added an unexpected {$250.00} return fee that violated the return terms originally agreed upon at the time of purchase. 

I provided clear written evidence including direct email confirmation from the merchant showing that returns were originally offered and presented as FREE RETURNS. Instead of reviewing this evidence, Bank of America denied my dispute solely because the item was not returned, ignoring the fact that I was prevented from returning the item unless I paid a new, undisclosed fee. This is a violation of Regulation Z ( 1026.13 ) under the Truth in Lending Act, which protects consumers when merchants materially change the terms of sale or fail to honor them. 

Bank of America failed to conduct a reasonable investigation, disregarded key evidence, and wrongfully sided with the merchant, even when those merchant terms had been retroactively changed. I am respectfully requesting CFPB assistance to review this issue and require Bank of America to reopen and fairly evaluate the dispute in compliance with federal consumer protection laws.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I recently reviewed my credit report and discovered that LVNV FUNDING LLC is reporting two tradeline debt allegedly owed by me. I was never notified of this debt within XXXX ( XXXX ) days of your initial communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This failure constitutes a violation of federal law. 

Accordingly, I am formally disputing the validity of this alleged debt and demanding that you provide the following documentation in compliance with federal requirements and relevant case law : The name and address of the original creditor. 

A copy of the original, signed contract or other instrument bearing my signature that allegedly created the debt. 

A complete chain of title, including a notarized contract of assignment and any subsequent assignments. 

Proof that LVNV FUNDING LLC has legal standing and authority to collect this debt. 

Itemized accounting and breakdown of the amount you claim is owed. 

Case law supports that a debt collector must be able to provide proper documentation showing the assignment and ownership of a debt to have standing to collect : Galiano v. Fidelity Natl Title Ins. Co., 684 F. Supp. 2d 1210 ( E.D. Cal. 2010 ) An assignee must prove a valid assignment in order to enforce a debt.

Adams v. Zarnel, 619 F.3d 156 ( 2d Cir. 2010 ) A party seeking to enforce a claim must demonstrate standing through a clear chain of title.

Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Simply asserting ownership is not enough ; evidence of assignment must be produced.

Until such documents are provided, you are to cease all collection activity and remove any negative tradeline associated with this alleged debt from all consumer reporting agencies immediately pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

Be advised that failure to comply with this request will result in legal action against your company, including but not limited to claims for damages under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws. This letter serves as a formal dispute and notice of intent to litigate if the unlawful reporting continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am disputing that I paid off my charged-off account with Wells Fargo checking account using my Wells Fargo savings account on XX/XX/25 in the amount of {$1400.00}. Wells Fargo has confirmed on their end that the account is paid in full. I have submitted proof of payment to both XXXX XXXX XXXX XXXX XXXX  but I have not received any response. Please update your records accordingly, as this issue is preventing me from reopening my account.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Date by date : XX/XX/XXXX, at XXXX. Chase send me a message asking if a {$60.00} dollar charge from XXXX ( a company if you XXXX, will tell you it is possibly a scam or fraud charge ) was authorized by me. I reply it is not authorized by me, as I don't know the company at all. Chase reply that they will change my card while not allow any transactions from the company. 

XX/XX/XXXX, a total of XXXX bills of {$60.00} from XXXX was directly issued to my bank account, noted paying method : '' In person '' in the location XXXX PA XXXX, time on XX/XX/year>. Which is the same day that I received the upper messages. While in the same day, I have transaction on XXXX for a location in Michigan at exactly XXXX pm. 

I reported to Chase on XX/XX/XXXX in Michigan, after paying a bill at riverside cat hospital, as I saw the pending amount of {$660.00} from XXXX on my account, remembering that I replied to Chase message. Chase said they will investigate in it. 
I got the credit back on XX/XX/XXXX. 
The credits was taken away by chase on XX/XX/XXXX, as Chase think this is not a fraud, since it was in person XXXX XXXX. As I mentioned, I have already reply to message from chase saying it is a fraud, while the transaction still was taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$220000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-06-30 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: Experian Information Solutions Inc.
State: OH

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 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 2025-06-30 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: MD

Complaint narrative:
UNAUTHORIZED REINSERTION OF XXXX  ACCOUNT VIOLATION OF FCRA 1681i ( a ) ( 5 ) ( B ) I am submitting this dispute concerning a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The following account was previously deleted from my Equifax credit file due to identity theft and its connection to the Equifax data breach : Creditor Name : XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} I had submitted an FTC Identity Theft Report, and the account was properly removed from my file. However, on or about XXXX XXXX XXXXXXXX Equifax reinserted this deleted account without providing the required written notice under the law. 

This action is in clear violation of : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) If any information is deleted from a consumers file and is later reinserted, the consumer reporting agency must notify the consumer in writing within 5 business days of reinsertion and must also certify the accuracy of the information. 

Equifax failed to provide any such notification, nor did you provide verification or certification from the data furnisher that this account was accurate and authorized to be re-reported. 

I am demanding the following : Immediate removal of the above XXXX  account from my credit report.

A written explanation of how this account was reinserted and whether any certification was received. 

Full compliance with FCRA 1681i and 1681e, assuring maximum possible accuracy and lawful reinvestigation.

Failure to resolve this within 4 calendar days will result in : A complaint to the Federal Trade Commission ( FTC ) A complaint to the Office of the Attorney General in my state Consideration of legal action under FCRA 1681n and 1681o for willful or negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Accounts I Am Disputing Due to Identity Theft : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Reason : Opened fraudulently ; I did not authorize or use this account. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3400.00} Reason : Opened fraudulently ; I did not authorize or use this account. 

XXXX ( Collection Account ) Date Opened : XX/XX/XXXX Balance : {$990.00} Reason : This is a fraudulent collection account. I did not incur this debt or authorize any activity related to it.

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 2025-06-30 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: 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 ( {XXXX XXXX} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g.XXXX XXXX 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief