vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
XXXX, TransUnion and XXXX  has failed to update my credit report accurately. I requested the Student loans be removed based the Breach of Information ( FERPA ). I Also requested the Charge Offs be deleted 15 U.S. Code 1681 ( c ) 2, Collections deleted 15 U.S. Code 1692 ( g ), Hard Inquiries that I did not authorize 15 U.S. Code 1681, and a late payment with XXXX 15 U.S. Code 1666 and 1666 ( b ) .removed.

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 2025-04-19 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: GA

Complaint narrative:
XXXX, XXXX  and Experian has failed to update my credit report accurately. I requested the Student loans be removed based the Breach of Information ( FERPA ). I Also requested the Charge Offs be deleted 15 U.S. Code 1681 ( c ) 2, Collections deleted 15 U.S. Code 1692 ( g ), Hard Inquiries that I did not authorize 15 U.S. Code 1681, and a late payment with XXXX 15 U.S. Code 1666 and 1666 ( b ) .removed.

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 2025-04-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$2200.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXXXXXX XXXX XXXX' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX I was called by Chase Bank and informed that over {$150000.00} had been permanently credited back to my Chase Sapphire Reserve Credit Account. This amount was disputed with a fraudulent series of charges from XXXX XXXX, a sell of organized crime in XXXX XXXX XXXX. The representative confirmed and guaranteed to me on a recorded line that this matter was closed permanently in my favor and that this nightmare was all over. I asked them for explanation and confirmation of this over and over to the point where they not only guaranteed that they were not making any sort of mistake, they even laughed at one point an reassured me they could literally see where the money had been taken from the merchant and explained to me that this was 100 % confirmed. This led to me informing my family, paying off personal debts, and feeling the burden of all of this finally leave. Shortly after, Chase tried to suggest that despite these guaranteed confirmations on a recorded line, this was a " mistake ''. I have insisted that Chase honor their commitments and thus far they have ignored me. This balance remains on my card today, has frozen my ability to use this card ( which I pay {$800.00} annually for ) and continued to cause severe financial hardship for my family. In addition, Chase has been informed of this fraudulent merchant since at least XXXX and done nothing adequate, failing to protect innocent consumers. The office of the president confirmed on a recorded line that they acknowledge this is infact a fraudulent merchant. Yet they have not honored their guarantees. I believe this alleged misrepresentations may violate fair banking practices and I am entitled to good faith and fair dealing where they honor their confirmations. This merchant was reported for both fraud and disputed as they have provided zero service or goods in exchange for this large sum of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: AR

Complaint narrative:
On XX/XX/year> as well as XXXX ( Experian & Transunion ) I sent out disputed letters to all 3 major credit agencies ( Experian, Equifax, and Transunion ) to delete inaccurate information reporting on my credit report. The CRAs continues to use stall tactics and continues to keep verify my inaccurate information on my credit report as accurate. The inaccurate information is harming my financial well being. I am aware of my rights under the FCRA and that is why I requested a thorough investigation into the inaccuracies ( on my credit report ) as required by Federal Law. 
Recently the CFPB filed a lawsuit against Experian for failure to properly investigate consumer disputes citing Sham Investigations and other unlawful practices. These practices by the CFPB include : ( 1 ) Conducting inadequate investigations that fail to address consumer disputes properly.

( 2 ) Reinserting previously disputed and inaccurate information without explanation.

( 3 ) Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protection and perpetuate the indecision of inaccurate information on credit report. I am concerned that my dispute maybe mishandled in a similar manner. 
Please review the inaccurate information being reported. 
( XXXX XXXX XXXX XXXX # XXXX ; ( XXXX ) XXXX  # XXXX ; ( XXXX ) XXXX  # XXXX ; ( XXXX ) XXXX XXXX  # XXXX ; ( XXXX XXXX XXXX XXXX XXXX # XXXX. 
Under the Fair Credit Reporting Act : ( 1 ) Conduct a proper investigation into my disputes.

( 2 ) inform consumer of results of investigation.

( 3 ) Provide consumer with documentation that CRA relies on if the disputed information is verified as accurate.

( 4 ) Insure that inaccurate and unverifiable information is corrected or removed from consumer credit report promptly.

( 5 ) If the investigation concludes that the information can not be verified or remains inaccurate, consumer can request the immediate removal or correction of this information from a consumer credit report. 
I requested written confirmation of the actions the CREDIT REPORTING AGENCIES take to respond to the dispute. These practices CRAS failed so I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you I look forward to CFPB response within the mandated time of 15 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 non-monetary relief
Consumer complaint received 2025-04-19 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: AR

Complaint narrative:
On XX/XX/year> as well as XXXX ( Experian & Transunion ) I sent out disputed letters to all 3 major credit agencies ( Experian, Equifax, and Transunion ) to delete inaccurate information reporting on my credit report. The CRAs continues to use stall tactics and continues to keep verify my inaccurate information on my credit report as accurate. The inaccurate information is harming my financial well being. I am aware of my rights under the FCRA and that is why I requested a thorough investigation into the inaccuracies ( on my credit report ) as required by Federal Law. 
Recently the CFPB filed a lawsuit against Experian for failure to properly investigate consumer disputes citing Sham Investigations and other unlawful practices. These practices by the CFPB include : ( 1 ) Conducting inadequate investigations that fail to address consumer disputes properly.

( 2 ) Reinserting previously disputed and inaccurate information without explanation.

( 3 ) Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protection and perpetuate the indecision of inaccurate information on credit report. I am concerned that my dispute maybe mishandled in a similar manner. 
Please review the inaccurate information being reported. 
( XXXX XXXX XXXX XXXX # XXXX ; ( XXXX ) XXXX  # XXXX ; ( XXXX ) XXXX  # XXXX ; ( XXXX ) XXXX XXXX  # XXXX ; ( XXXX XXXX XXXX XXXX XXXX # XXXX. 
Under the Fair Credit Reporting Act : ( 1 ) Conduct a proper investigation into my disputes.

( 2 ) inform consumer of results of investigation.

( 3 ) Provide consumer with documentation that CRA relies on if the disputed information is verified as accurate.

( 4 ) Insure that inaccurate and unverifiable information is corrected or removed from consumer credit report promptly.

( 5 ) If the investigation concludes that the information can not be verified or remains inaccurate, consumer can request the immediate removal or correction of this information from a consumer credit report. 
I requested written confirmation of the actions the CREDIT REPORTING AGENCIES take to respond to the dispute. These practices CRAS failed so I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you I look forward to CFPB response within the mandated time of 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CREDENCE RM regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : CREDENCE RM ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$780.00} CREDENCE RM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} 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 CREDENCE RM but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MN

Complaint narrative:
I have sent out several letters to all three credit bureaus stating that these accounts did not belong to me, and for them to investigate. These accounts under my social security number, and date of birth but not sure what year was used cause it look like one account was open back in 2015 which I was 10 years old. I sent copy of social security card and driver 's license and even bank statement. They are sending me more letters asking for documentation which I keep sending but getting nowhere in the process. I received a copy of credit report from them stating accounts belong to me when I had to put a credit freeze and fraud alert on my credit report its also stated I were a minor when these accounts were open.

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 2025-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
Rebuttal to Discover Regarding CFPB Case No. XXXX XX/XX/year> To Whom It May Concern, I am writing in response to Discover 's XX/XX/year> letter regarding an account ending in XXXX. I respectfully disagree with the determination that I am liable for this account. 

I am the victim of identity theft, and I have submitted identity theft reports in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, 1681s-2 ( a ) ( 6 ), and 1681c-2. Despite this, Discover has refused to acknowledge these reports, citing phone contacts and alleged payment arrangements as evidence that I am responsible for the account. This is a flawed conclusion, and I dispute both the origin of the account and the assumption that any communications you claim I had with your agents validate ownership. 

Here are the facts : 1. I did not open this account. I did not authorize anyone to open a Discover card in my name. I have no knowledge of the transactions made on this account.

2. The presence of a phone call or even a payment does not prove consent to the creation of the account. If these actions occurred, they may have been made under duress, confusion, or as a result of manipulation by the actual perpetrator. Furthermore, Discover has not provided any verifiable proof, such as IP address logs, voice recordings, or identity confirmation processes from the original application.

3. The Fair Credit Reporting Act requires that creditors conduct a reasonable investigation when an identity theft claim is made. Merely citing calls made months after the account opened does not meet this standard.

4. I have submitted an identity theft report to the Federal Trade Commission, which legally disputes this account. Refusing to acknowledge this report is a violation of my rights under the FCRA.

I am formally requesting again that Discover : Provide a copy of all call recordings you claim tie me to the account.

Share any forensic evidence ( IP logs, location data, device info ) used to verify identity at the time the application was submitted.

Cease collection activity and remove the account from my credit report under the identity theft protections of the FCRA.

Until and unless you provide verifiable, original evidence that I opened and used this account, I will continue to dispute the validity of the debt and assert my rights as a victim of identity theft. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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:
Subject : Ongoing FCRA and Metro 2 Violations Inaccurate and Unverified Reporting of Charged-Off Accounts Dear Consumer Financial Protection Bureau , I am submitting this complaint against Experian for their failure to correct and verify multiple inaccurate accounts on my credit report. I have disputed the same accounts more than three or four times, and despite these repeated disputes, Experian has never once provided any validation or documentation to prove the accuracy of these accounts. Experian has been letting these vialation accur for months, this is the 5th time, and they never comply, Instead, they continue to claim that the information has been " verified '' yet I have never received any proof, explanation, or details from the original creditors or Experian. Whether this was reviewed by a machine or someone at a desk, this does not meet the standard of a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the following accounts continue to report inaccurate balance updates and payment histories, despite being charged-off and closed : i sent screen shots from my credit report for months XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] These accounts are reporting as charged-off but are still updating balances and payment data, which is misleading and violates Metro 2 reporting guidelines. Once charged off and closed, these accounts should not continue to update in a way that appears as if payments are being made or new activity is occurring. 

This type of reporting is inaccurate, misleading, and has already harmed me financially, including being denied for housing, auto loans, and fair insurance rates. 

I am requesting that the CFPB take action to have these accounts permanently removed from my credit report due to : Failure to validate after multiple disputes Violation of FCRAs requirement for reasonable investigation Metro 2 guideline violations Ongoing damage to my creditworthiness and financial stability THANK YOU 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 2025-04-19 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: NJ

Complaint narrative:
The below charge off on my credit report dont belong to me. I suspect it is a result of unauthorized activity or potential fraud : XXXX XXXX XXXXXXXX XX/XX/year> I request an investigation into this charge off and its immediate removal from my credit report, as it was not initiated nor approved by me.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is listing numerous addresses on my credit report that I no association with. my only address is XXXX XXXX XXXX. XXXX XXXX. XXXX, TX XXXX this is the only address that I live at and get my mail at. any other fraudulent/error address should be deleted

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 2025-04-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
In XXXX  I sent money through Zelle and I accidentally sent it to the wrong person and funds were never recovered

Company response to consumer: Closed with explanation