vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have an XXXX XXXX issued by Goldman Sachs. I contacted the customer service department to close my account. They are unable to access my account unless I provide SSN information. I am unwilling to provide any SSN information and offered to authenticate my identity in other ways. Customer service was unable to move forward. I reached out to Goldman Sachs corporate. I was hung up on multiple times. They were rude and dismissive. I will not be compelled to give up my SSN information. I want to close my credit card account with Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
No Relationship / Account Not Mine I have never applied for, held, or authorized any XXXX XXXX XXXX  XXXX credit card. 

The tradeline and collection entry are being reported in error and must be deleted pursuant to FCRA 602 ( A ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ), which require that only accurate and verifiable information be furnished to consumer reporting agencies.

Unlawful Inquiries There are multiple unauthorized inquiries related to this alleged account.

Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required for any credit inquiry. I did not provide consent, nor was there a legitimate business need for these inquiries. 

Request for Validation & Deletion I am requesting that XXXX XXXX XXXX  XXXX and Qualia Collection Service provide documented evidence that I applied for, received, or used this account.

If no such evidence exists, all associated entries and inquiries must be deleted immediately from my credit report under FCRA 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am disputing the alleged debt with Midland Credit Management in the amount of {$1600.00}. 

Under the FDCPA ( 15 U.S.C. 1692g ), I have the right to request validation of this debt. Midland has not provided sufficient documentation proving that I am legally obligated to pay, including the original signed contract, a complete payment history, and proof that Midland owns/has the right to collect this debt.

Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers must ensure maximum possible accuracy when reporting to credit bureaus. Attempting to collect or report a debt without proper validation is a violation of this requirement.

I request that Midland immediately cease all collection efforts and delete/remove any reporting from my credit file unless and until full legal validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-28 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-28 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 stated that I am a victim of identity theft and are disputing the accounts and charges in question. Under the Fair Credit Reporting Act ( FCRA ), victims are entitled to all business records related to transactions and accounts opened fraudulently in their name. Account applications ( paper, online, or telephone ) Account statements or invoices Records of payments or charge slips Delivery addresses associated with the fraudulent account Records of phone numbers used to activate or access the account Any signatures on applications and accounts An XXXXXXXX XXXX report from the creditor, if available Once you provide a copy of your FTC Identity Theft Report, the creditor may not furnish information about the fraudulent account to credit reporting companies Debt collection must stop : If you are contacted by a debt collector, your written request can compel them to stop communications about the fraudulent debt.

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 2025-08-28 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 stated that I am a victim of identity theft and are disputing the accounts and charges in question. Under the Fair Credit Reporting Act ( FCRA ), victims are entitled to all business records related to transactions and accounts opened fraudulently in their name. Account applications ( paper, online, or telephone ) Account statements or invoices Records of payments or charge slips Delivery addresses associated with the fraudulent account Records of phone numbers used to activate or access the account Any signatures on applications and accounts An XXXXXXXX XXXX report from the creditor, if available Once you provide a copy of your FTC Identity Theft Report, the creditor may not furnish information about the fraudulent account to credit reporting companies Debt collection must stop : If you are contacted by a debt collector, your written request can compel them to stop communications about the fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an alert that my account balance had fallen below my {$100.00} threshold. This did not seem right to me because I knew I had sufficient funds in my account. When I went to review my account, I immediately noticed the fraudulent withdrawals, which had actually begun the day before. It was not until this point that I even realized my card was missing. My card being missing was undetected because I mostly use tap my phone and use XXXX XXXX and rarely use my physical card. But as soon as I saw the unauthorized withdrawals, I contacted Chase right away to report the fraud and to have my card blocked. 

Despite my timely report, I was informed by Chase that the withdrawal did not look suspicious and my claim was denied. This decision is unacceptable and inconsistent with my rights under the Electronic Fund Transfer Act ( Regulation E ), which limits consumer liability for unauthorized transactions when reported promptly. I was at work when this unauthorized transaction occurred. No one from the fraud team even reached out to me while they were allegedly investigating to speak to me or submit any form of proof that showed the withdrawals were not made by me. Attached are copies of my hours and where I work. 

I am requesting that the {$1500.00} be fully credited to my account right away, as I have stated several times I did not authorize nor did I withdraw this money from my account. This was completely unauthorized. 

I asked to have the claim reopened but was denied. Yesterday, I wrote the executive office and logged into the app and submitted a letter and proof of my hours. In my email I advised I would be escalating if this is not resolved promptly. I can not afford to lose {$1500.00}. The purpose of entrusting my money to a bank is to be afforded the protections and security that the federal law requires. Chases refusal to honor these protections is unacceptable and considering the prevalence of fraud in todays world. No system is 100 % fraud proof. Criminals skim and scam accounts every day. While I am not certain how my PIN was obtained, in hindsight I recognize that it was not a difficult one, as it was based on my daughters birthday. However, that does not change the fact that this withdrawal was unauthorized and that I reported it immediately in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
While with XXXX XXXX  I switched from XXXX XXXX  to XXXX XXXX. When XXXX sent my escrow refund check I called XXXX to get the mailing address for escrow payments and immediately sent them the refund check with a specific request to apply it to my escrow account. They did not do this. Instead of applying it the way I requested, they broke it up into XXXX payments and applied the rest to principle. Even though I have always made my payment and never missed a month. Then, they contacted me and said that my escrow was short and my payment would go up between {$400.00} - {$500.00} a month. I contacted them about the discrepancy, but they denied misusing my funds. Not only did they raise my payment, but they inflated my insurance and taxes and stated that I owe both the escrow amount refunded by XXXX, but also the escrow shortage. My payment went from XXXX to XXXX and they are still saying I am in a shortage. I have made several calls and multiple requests, but they still claim no fault. Last month in the midst of the conflict they transferred my loan to XXXX XXXX  who is also billing me and inflated payment and showing a shortage in my escrow account despite receiving the refunded escrow from XXXX and a payment from XXXX XXXX, and several inflated mortgage payments from me. Important to note, they admitted they split my escrow payment up into XXXX payments and additional to principle claiming that my payment was due. However, I have never missed a payment and have bank statements to prove this. Thus far, customer service has been rude and challenging, and there is currently no resolve in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 non-monetary relief
Consumer complaint received 2025-08-28 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: NH

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MN

Complaint narrative:
Dear CFPB, I am filing this complaint regarding Equifax, LLC. They have reported and verified collection accounts on my credit report without providing any signed contracts or documentation proving that I am legally responsible for these debts. 

When I disputed these accounts, Equifax responded by stating that the accounts were verified. However, they did not provide any evidence such as signed agreements or contracts that would confirm my liability. By doing so, Equifax has failed to meet the requirements set forth under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. Simply confirming the furnishers claim without requiring supporting documentation does not satisfy this standard.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requires deletion of disputed information that can not be verified. Since no proof has been provided, these collections remain unverified and must be removed.

FCRA 1681e ( b ) : Requires consumer reporting agencies to maintain maximum possible accuracy of consumer reports. Continuing to report accounts that can not be substantiated violates this requirement.

I believe Equifax is willfully noncompliant with the law by refusing to remove inaccurate, unverified accounts. I am requesting that the CFPB investigate these violations and require Equifax to : Delete the disputed collection accounts from my credit file. 

XXXX XXXX XXXX Provide written confirmation of the deletions. 

Ensure compliance with the FCRA going forward by not reporting unverifiable information. 


Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: OH

Complaint narrative:
A fair resolution would be the permanent removal of the inaccurately reported XXXX  XXXX bankruptcy and any related derogatory accounts from my credit report, or, at minimum, the update of all records to accurately reflect the bankruptcy as Discharged. Additionally, I request written confirmation of these corrections along with an updated copy of my credit report within 15 business days.

1. The status is incorrect for the following account Bankruptcy XXXX  XXXX-discharged Case Number : XXXX  Please remove it 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 2025-08-28 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation