vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Galaxy Capital Acquisitions, LLC
State: TX

Complaint narrative:
I asked the company to verify the debt. I do not recall making any loans in XXXX. I never received verification of the debt being mine. I'm not paying for something I didn't create. I have not received any correspondence from this company until someone left a set of papers wedged in my front door. I have contacted an attorney. The attorney is willing to represent my interest in court to get this issue resolved. 

I have no previous correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Failed to provide physical evidence of purchase made on the credit card account. 
Failure to show non payment on account and inaccurate balances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This case is in regard to an unauthorized unknown " new recipient '' XXXX transfer in amount of {$5000.00} due to an external computer hack on my desktop computer. 

Date of hack and transfer XX/XX/XXXX approximately XXXX. 
Name of recipient XXXX XXXX XXXX phone # XXXX I discovered the transfer XXXX hours later @ XXXX same day and reported immediately to Chase Fraud . 
Following morning XX/XX/XXXX I witnessed my desktop screen turn blue, a cursor moving about screen and a message " do not turn off computer until download completed '' I immediately turned off computer. I learned that another {$5000.00} transfer was attempted to same recipient and this time denied by Chase or XXXX. 
I called police and filed a police report with XXXX XXXX Police. Case # XXXX. I offered my desktop to police for investigation but was advised just to bring to XXXX XXXX XXXX XXXX for evaluation and cleaning which I did. No malware or virus was discovered and was confirmed external hack. 
I called XXXX XXXX number for first time on XX/XX/XXXX always thinking previously it would be disconnected number. Shockingly, XXXX XXXX answered the phone, and we spoke XXXX minutes. XXXX XXXX, also a Chase client, claims she has no knowledge of receiving {$5000.00} and that her XXXX account was closed but did not know date. I felt XXXX XXXX was sincere and she did not seem the type of woman capable of a computer hack and fraud. She mentioned she would go to Chase bank following day and inquire about transfer and get back to me. I gave her my Chase case # XXXX. XXXX XXXX did not answer my call or text the following day. 
All this makes me wonder what type of investigation if any did Chase fraud perform. I am a XXXX XXXX for 30 years and received no assistance or consideration in my case. 
I was only informed that the transfer was from my device ( home desktop ) and I keep repeating I am not disputing this because I was hacked. 
I live alone and no one other than me knows or ever used my Chase password. 
I feel I am protected under Regulation E however Chase fraud personal even insinuated that I was involved in this transfer. Very insulting comment to a longtime client.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 am formally disputing fraudulent accounts on my consumer report that have been linked to identity theft. I never provided written authorization, including a wet signature, for the inclusion of these accounts on my credit report. These unauthorized entries have caused significant emotional and financial distress by inaccurately representing my credit history and preventing me from achieving important financial goals, including purchasing a home and meeting my family 's needs. I am requesting the immediate blocking and removal of these disputed accounts from my report, as their continued presence violates my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Re : Request to Resume Mortgage Payments Loan Number : XXXX ] Dear U.S Bank national association Customer Service, I am writing to formally address a concerning issue regarding my mortgage loan with U.S Bank National Association. As you are aware, I filed for and completed a Chapter XXXX bankruptcy in [ XXXX XXXX, which resulted in a restructured repayment plan approved by the court. I have worked diligently to meet the obligations outlined in the plan, and I understand that part of my responsibility is ensuring that my mortgage is paid according to the terms of the bankruptcy. 

However, the mortage is saying I still own this balance on this loan and I am trying to in making payments on my mortgage. Despite my efforts, I have been informed that I am not allowed to make any payments, and my request for a modification of the loan has been declined. This situation is deeply concerning, especially since I have completed my bankruptcy and have the legal right to continue making payments to avoid further negative consequences. 

To clarify, I have completed all the necessary steps in my Chapter XXXX bankruptcy, and my intention is to stay in compliance with the restructured payment plan. I kindly request that you allow me to resume making mortgage payments immediately and provide clear instructions on how to proceed. Furthermore, I request an explanation for the refusal to modify my loan, as I believe this may be an error or miscommunication. 

Please understand the urgency of this matter. I would appreciate your prompt attention to resolve this issue so that I can continue with my payments in good faith, as outlined in the bankruptcy agreement. I am also requesting written confirmation that you have received this letter and that the issue will be addressed promptly. 

If necessary, I am more than willing to discuss this matter further. Please feel free to contact me at XXXX via email at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-11 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: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} INQUIRIES : XXXX 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 2025-07-11 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$720.00} XXXX - XXXX * * XXXX - XX/XX/XXXX - {$7600.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX  - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$460.00} XXXXXXXX XXXX  - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$920.00} XXXXXXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$590.00}

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 2025-07-11 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX, a message was sent to my phone indicating a charge on my Citi Card account that I have had for years. It was a charge to XXXX XXXX in another state. I reported this to Citi Card and canceled the card. The same day, Citi sent a replacement card. I received the card XX/XX/XXXX and immediately attempted to activate it only to find that it had already been activated. I called Citi to report that found out that the card was already activated and they indicated XXXX  had been charged to it on XXXX XXXX. I then received a statement indicating that these charges were made on XX/XX/XXXX, before I received the card in the mail. I have been battling with Citi ever since to clear up this information and restore my credit. I never activated the card myself. I have never used the card. The new one was canceled on the XXXX as well. I am still receiving bills for {$680.00} and more recently with interest applied increasing it to {$730.00}. I called Citi XX/XX/scrub> 2025 and again complained that I do not know the person and I did not spend XXXX  on XXXX on XXXX. I do not have an XXXX account and no need for a new phone. They keep saying this is under review when I call but are still billing and adding interest. Citi card login requires full card number which is unsecure. I believe this makes hacking easy. I could not login to my old account as I believe that was hacked as well.

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 monetary relief
Consumer complaint received 2025-07-11 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I've disputed the debt, and the company says information is accurate. I called the company, they said they would remove the debt. Debt showed back up, and I disputed again. I called the company again asking for proof of debt, the agent hung up on me and refused to send anything for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I have noticed inaccuracies on my credit report that needs attention

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 2025-07-11 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:
I have noticed inaccuracies on my credit report that needs attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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