vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
I am writing regarding unauthorized inquiries on my Equifax credit report. 
My personal data was breached by the XXXX XXXX XXXX. This breach may have contributed to the unauthorized inquiries on my credit report. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I formally request that Equifax block this fraudulent information from my credit report. These inquiries were not authorized by me, and as such, they are inaccurate and must be removed. Additionally, Equifax is required under the FCRA to notify all furnishers of this information and ensure that these inquiries are blocked from my credit report. 

Here is a list of the fraudulent inquiries that must be deleted immediately : Equifax - XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX Experian - XXXX XXXX  XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX : XX/XX/XXXX - XXXX XXXX  XXXX : XX/XX/XXXX Transunion - XXXX XXXX XXXX  : XX/XX/XXXX - XXXX XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX To comply with Section 605B of the FCRA, please take the following actions immediately : XXXXBlock the fraudulent inquiries listed above from my credit report. 
XXXXSend notifications to all furnishers of this information, informing them that these inquiries resulted from identity theft and must be blocked. 
XXXXProvide written confirmation that these inquiries have been deleted and that all necessary steps have been taken to resolve this matter. 

I am including a copy of my government-issued ID, social security card, US passport XXXX proof of address, and the FTC Identity Theft Report so you may verify my identity and process this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response confirming the deletion of these fraudulent inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
I had a charged-off credit card account with XXXX XXXX with a balance of {$640.00}. XX/XX/year> I realized the derogatory account is listed twice on Equifax. Approximately every 30 days I would dispute with Equifax about this duplicate account with no resolution. XX/XX/year> I settled the charged-off account directly with XXXX XXXX & within 30 days the balance has updated to {$0.00} on all three credit bureaus, but the duplicate account on Equifax is still reporting on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
Experian failed to properly investigate inquiries and and credit accounts, misuse of my credit accounts. Im asking for a full investigation considering my information was in multiple data breaches. Credit reports are used for an array of things these 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 explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Subject : Round XXXX Dispute Demand for Correction or Deletion of Inaccurate Late Payment Reporting This is my third formal dispute regarding the inaccurate reporting of late payments on the following account ( XXXX ) : Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Account Name : XXXX I have previously disputed this information and your organization has either failed to provide sufficient evidence of the accuracy of the late payment reporting & has not corrected the error. The listed account is also reporting 120 days late 2 months in a row which is not only impossible but inaccurate. 
According to the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies are obligated to report only accurate, verifiable information. If information can not be verified after a reasonable investigation, it must be deleted. The late payment data reported for this/these account ( s ) is inaccurate and/or unverifiable, and continued reporting of this erroneous data is damaging my credit unfairly I am formally demanding that you : Update the account ( s ) to reflect Paid as Agreed/ Never Late status OR Delete the inaccurate late payment notations entirely from my credit report Failure to comply may result in me seeking legal remedies for willful noncompliance, as allowed under the FCRA, including statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Company violated the privacy act of 1974 also IRS code for creating a hindrance for me and my family by reporting a property on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
I am disputing this account. I never authorized XXXX XXXX XXXX to report or collect on this debt. No contract has been provided, and the alleged debt from XXXX was never validated. This account may be the result of identity theft or unauthorized data sale. Under FCRA 15 USC 1681i and 1681b, I request immediate deletion until full validation is shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received call from Chase Bank- they said someone tried to open a credit card with my info. They said it was under XXXX XXXX rep was XXXX XXXX XXXX XXXX Florida XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX and national credit systems and gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove the inaccurate information as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My bank account is Bank of America Product bought on XX/XX/XXXX from XXXX XXXX {$2800.00} Order no XXXX shipping address was XXXX I returned the product through FedEx Tracking no XXXX The merchant received it on XX/XX/year>. 
I contacted the merchant and merchant keeps saying they send the refund but it never reflected on my account. I dont know why is the Bank of America not refunding my Money. 
I opened a claim but to no solution. 

I have moved to New Jersey so my new address is New Jersey. 
But account no is still same So I am here with hopes to please refund my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I applied for a loan with a company, XXXX XXXX, they assured me that I was approved for a loan, they asked me to send a payment of XXXX for loan documents and they wanted to be paid via XXXX  to secure me obtaining this loan in order to keep my home from foreclosure. 

I paid the XXXX to XXXX XXXX 's owner directly via XXXX. XXXX XXXX. 
The day after this money was paid they told me they could not do the loan, it was now denied and I was never provided those loan documents, this was XXXX weeks ago, no loan documents, loan was denied and, XXXX XXXX refuses to give me my money back and XXXX  says they have no protection guarantee. 

XXXX  should not be doing business this way nor should XXXX XXXX. I filed a dispute with XXXX  4 times already and have been denied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I discovered a collection account on my credit report from XXXX XXXX XXXX ( Acct. # XXXX ) that I did not authorize, open, or consent to. I have never had any business dealings or communication with this company, and I believe this account is the result of unauthorized or fraudulent activity tied to my personal information. 
Despite not recognizing this debt, it has been reported to the credit bureaus, affecting my credit reputation and causing distress. Ive already submitted a dispute and an official FTC Identity Theft Report, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. This law clearly states that such information must be blocked within four business days after a valid identity theft report is received.

This account continues to harm my creditworthiness and peace of mind, even though it should have never been reported under my name. I am simply asking for the protection that the law guarantees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I am formally disputing inaccurate and undocumented information found in my credit report. This includes unverified personal data, unauthorized inquiries, and derogatory account entries. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Metro 2 Compliance Guidelines outlined in the 2020 Consumer Data Industry Association Resource Guide ( CRRG ), I demand a full reinvestigation. 

This dispute specifically challenges the following : Incorrect Personal Information : Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Name : XXXX, XXXX, XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Employer : XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX Account Reporting Inaccuracies : XXXX XXXX XXXX The FCRA requires that all information must be verifiable, accurate, and complete. You are also required to follow Metro 2 reporting standards. If you can not provide documented and verifiable evidence for each of the above entriesincluding proof of permissible purpose for inquiries and compliance with data field standardsI demand immediate deletion. 

Furthermore, I am aware of common practices in which credit bureaus respond to disputes using template letters without properly addressing the specifics of each consumer 's case. This violates FCRA 1681i, which mandates an individualized investigation of every dispute. Let it be known that I personally authored and submitted this letter, and your failure to process this correctly will be deemed willful noncompliance. 

You are hereby required to : Reinvestigate each disputed item listed above. 

Provide physical documentation validating each claim. 

Delete any unverifiable or inaccurate information. 

Send an updated copy of my credit report reflecting the results of your investigation. 

If you fail to comply, I will pursue all available legal remedies.

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