vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
I am reporting that Experian continues to display incorrect personal identifying information in my credit report, despite multiple disputes and supporting documentation submitted to correct it. 

The information currently listed in my Experian file is inaccurate. It shows a shortened and incomplete name ( XXXX XXXX ), an incomplete date of birth ( XXXX  without the correct month and day ), and an incorrect address ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ). 

The correct information should reflect : Full Legal Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX, XXXX, XXXX XXXX, NY XXXX I have already submitted proof of my identity and address, including a copy of my drivers license, Social Security card, and utility bill showing the correct address. Despite this, Experian has failed to make the necessary corrections or provide an explanation. 

This failure to correct basic identifying information constitutes noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 607 ( b ) : Failure to maintain procedures to ensure maximum possible accuracy ; FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation after receiving a valid consumer dispute ; and FCRA 609 ( a ) ( 1 ) : Failure to provide an accurate and complete consumer file upon request. 

These inaccuracies have caused unnecessary delays, confusion, and potential credit misidentification. I am requesting that Experian immediately correct my personal information, remove all incorrect identifiers, and issue a corrected copy of my credit report reflecting my true legal name, full date of birth, and current address.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, two people attempted to serve me paperwork at my investment property where my tenant lives.  They told him that they could only serve me and that they were UPS. They left a number, but no paperwork.  The phone number wasXXXX XXXX.  I called the number and a man said that their was a lawsuit from Check n go, where my I.D. and Ssn wad used to obtain a payday loan and then deposited into a U.S. bank account?  I told him I never used Check n go and I wanted to dispute.  He said I couldn\'t dispute it because it\'s a lawsuit.  I asked him when did it occur and where.  He said he couldn\'t disclose where it happened but happened on XXXX XXXX XXXX  I told him it wasn\'t me.  The fact of the matter is I recently purchased a investment property with in the last XXXX mos., and they went to that property in XXXX XXXX I\'ve never lived there.  Then, later i received a text saying, "\n\nTo XXXX XXXX Formal Notice was issued to XXXX XXXX XXXX/Employer. Case: Non-Compliant. XXXX XXXX XXXX XXXX." So, I guess it\'s something their trying to use against my new property.  Another number they used is 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is weird because that\'s the amount i collect on my tenants.  I responded to the text stating," Subject: Formal Response to Alleged Case XXXX XXXXTo Whom It May Concern,\n\nThis letter serves as a formal response to your recent notice referencing Case ID XXXX  regarding an alleged matter involving Check \'N Go from XXXX\n\nI do not acknowledge the validity of this claim, nor do I admit to any liability or wrongdoing. All future correspondence regarding this matter must be directed to my legal counsel:\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nI will not engage in further communication outside of proper legal channels. Any attempt to contact me directly will be documented and treated accordingly.\n\nSincerely,  \XXXX XXXX XXXX.  \n\nI\'ve never used Checkn go and received a payday loan for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has ignored my prior CFPB complaint about my secured credit card. Their own terms promise that after six months of on-time payments, the account will be reviewed for graduation to unsecured status and my deposit refunded. 

I have never missed a payment and have carried only small balances to show responsible use. Despite this, my card was frozen without notice around month XXXX. I was told it was to prevent fraud, but there has been no fraud on my account. This freeze caused the only blemish on my record and prevented the promised review. 

It has now been nine months, and Capital One has not refunded my {$200.00} deposit or upgraded my account. Their actions have directly blocked my credit-building progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2700.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I dont have a contract with resurgent/lvnn funding or owe any debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: SD

Complaint narrative:
in a letter Dated XX/XX/XXXX from XXXX XXXX XXXX  I received an offer to settle the debt I then accepted their offer and mailed them a check for the amount that we disclosed on that check was cashed on XX/XX/XXXX. On XX/XX/XXXX I received a full satisfaction of judgment from the state of XXXX XXXX with their seals and endorsed saying that a full satisfaction of the judgment from XX/XX/XXXX has been fulfilled then on XX/XX/XXXX I received a letter from Portfolio Recovery Associates saying that the matter has been resolved and the current balance is {$0.00}. Then every few years this porfollio recovery associates attempts to garnish my wages. XXXX habitually call all hours of the day even though I have asked them several times to not call me and conduct communications through mail. THey are once again trying to garnish my wages for a debt i paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
About XXXX minutes ago i lost my password to my account and thr account had got locked and i tried to call chase, after giving them info, they said my account is permanently restricted and im no longer allowed to babk with chase, and they refuse to give me an answer why, i havent even got to deposit money in my account yet, i never even got to use it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
I am writing to formally request that you block specific information appearing on my Equifax and TransUnion credit report file that I believe is the result of identity theft or unauthorized activity, in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. 
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 non-monetary relief
Consumer complaint received 2025-10-14 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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
Consumer complaint received 2025-10-14 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed collection accounts on my credit report that I believe are inaccurate. Under my rights outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and truthful. I request that these entries be reviewed, and if they can not be properly verified, they should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Identity Theft / Fraudulent Account Dispute Letter From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : * * * XXXX Phone : ( XXXX ) XXXX Date : [ XX/XX/XXXX ] To : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - Subject : Identity Theft / Request for Investigation and Removal of Fraudulent Information Dear Credit Bureau, I am writing to inform you that I have been a victim of identity theft. Unauthorized accounts and/or inquiries have appeared on my credit report that I did not open or authorize. I am requesting that you immediately investigate these fraudulent items and remove them from my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Please place a fraud alert on my credit file and provide me with an updated copy of my credit report once your investigation is complete. 

Enclosed are copies of documents verifying my identity : A copy of my government-issued ID A copy of my Social Security card A copy of a recent utility bill showing my current address A copy of an Identity Theft Report or Police Report Please confirm in writing once the investigation has been completed and all fraudulent information has been removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
XXXXI am sending to formally request that you correct specific information appearing on my TransUnion, Experian, and Equifax credit file that I believe is the result of identity theft or unauthorized activity, in accordance with my rights under Section 605B of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681c-2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 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: MS

Complaint narrative:
Any information being reported inaccurate need to 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 2025-10-14 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: AZ

Complaint narrative:
I am writing to formally dispute and demand immediate removal of multiple fraudulent hard inquiries on my credit report. These inquiries were not authorized by me, constitute identity theft, and are harming my credit profile. 

Fraudulent Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX I did not authorize any of these inquiries, and any claim to the contrary is fraudulent. 

Legal Demand for Immediate Removal : FCRA 605B & 611 ( a ) ( 5 ) Because these inquiries are a result of identity theft, I am entitled to have them blocked from my credit report immediately upon submission of identity theft documentation. 

FCRA 607 ( b ) & 611 ( a ) You are required to conduct a reasonable and timely investigation. If any disputed information can not be verified with competent proof, it must be deleted immediately.

FCRA 623 ( a ) ( 8 ) & 15 U.S.C. 1681s-2 ( b ) Furnishers and credit bureaus must correct or delete inaccurate or fraudulent information, and reporting unverifiable items is a direct violation of federal law. 

Uniform Commercial Code ( UCC 3-403 & 3-404 ) Any use of my personal information to obtain credit without my consent constitutes unauthorized transaction and fraud, which is legally enforceable under UCC protections.

Immediate Action Requested : Delete all fraudulent hard inquiries listed above within 3 business days. 

Provide written confirmation of deletion and investigation results. 

If any inquiry is claimed to be authorized, provide all documentation proving authorization, including signed applications, IP logs, telephone recordings, or any electronic consent. 

Failure to comply with this request constitutes a willful violation of the FCRA and exposes your bureau to statutory damages, actual damages, and attorney fees. I reserve all rights to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies immediately.

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