vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$770.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$800.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$430.00} XXXX/XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Re : Request for Information on Charged -Off/ Written-Off Account Creditor : Wildfire Credit Union Account XXXX XXXX XXXX To Whom it May Concern, I am writing regarding the above-referenced account that is reporting on my credit file as a charge-off with a balance written off. I am not disputing the reporting at this time, but I am formally requesting clarification and documentation regarding this account,. 

Please provide me with the following information in compliance with the Fair Credit Reporting Act ( FCRA ) : The date of first delinquency ( DOFD ) on this account, The date of last payment received. 
The date and amount of the charge-off. 
Confirmation of a Form 1099-C ( Cancellation of Debt ) Has been issued for the written-off amount, and if so, the Date it was filed with the IRS.

The current balance being reported, and whether the creditor Intends to pursue collection or considers the debt fully cancelled.

I respectfully request that this information be provided to me in writing. If you are unable to verify or provide the requested information, please remove or correct the account entry from my Credit file in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. XX/XX/XXXX Last XXXX SSN : 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 non-monetary relief
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Re : Request for Information on Charged -Off/ Written-Off Account Creditor : Wildfire Credit Union Account XXXX XXXX XXXX To Whom it May Concern, I am writing regarding the above-referenced account that is reporting on my credit file as a charge-off with a balance written off. I am not disputing the reporting at this time, but I am formally requesting clarification and documentation regarding this account,. 

Please provide me with the following information in compliance with the Fair Credit Reporting Act ( FCRA ) : The date of first delinquency ( DOFD ) on this account, The date of last payment received. 
The date and amount of the charge-off. 
Confirmation of a Form 1099-C ( Cancellation of Debt ) Has been issued for the written-off amount, and if so, the Date it was filed with the IRS.

The current balance being reported, and whether the creditor Intends to pursue collection or considers the debt fully cancelled.

I respectfully request that this information be provided to me in writing. If you are unable to verify or provide the requested information, please remove or correct the account entry from my Credit file in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. XX/XX/XXXX Last XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: WI

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to log in to my XXXX XXXX and it was saying a different phone number. So I tried to call Capital One and they told me to click on the link in my text message. So I did to verify my ID with my floor to stay id when I did front and back. It said OK, great. It looks great and it went through and then she started acting, funny saying oh, that's not what she sees, but that is what I see and I have the screenshot of it and I am not too happy. I'm tired of dealing with identity theft. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance is reporting a XXXX late payment for XX/XX/year> on my auto loan account with XXXX. However, this late payment does not appear on my XXXX XXXX XXXX reports, which both show the account as current. This indicates XXXX reporting is inconsistent and inaccurate. I previously submitted a complaint, but the companys response addressed XX/XX/year>, which was not my dispute. I am requesting that Exeter verify the accuracy of the XX/XX/year> late payment reporting with XXXX and correct or remove it if inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Zillow Group Inc.
State: MA

Complaint narrative:
I signed a purchase agreement to buy a home in XXXX XXXX XXXX. I chose Zillow home loans, my contract statement had a 30 day funding clause which should have been plenty of time to get an answer on if the funding was possible or if I was comfortable with the requirements of the mortgage. Zillow continued to request additional documents after the initial request which caused a delay in the load going to underwriting, almost XXXX weeks from contract signing. Once I was contacted again there underwriting required additional documentation that I was not comfortable disclosing, this was at day XXXX which then forfeited my XXXX deposit of 2000. I requested that Zillow reimburse me because their delay in requesting my documentation lead to a delay in underwriting review which created a delay in my ability to make a decision properly. Zillow told me they are not responsible for me losing my deposit and told me there was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Fraudulent inquiries appeared on my credit reports due to identity theft. I have never authorized these inquiries and was not aware of them until reviewing my credit file. The unauthorized inquiries are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC 1681g, please remove them within 15 days. Attached are the required supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems is reporting a {$1200.00} collection account on my XXXX credit report. This account is not mine and is fraudulent. I filed disputes with the credit bureaus and attached both my FTC Identity Theft Affidavit and police reports. 

This company has failed to validate the debt or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-09-05 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: GA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX - XXXX XXXX  XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts 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
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year>, my wife initiated a XXXX transfer of {$2400.00} from her XXXX XXXX XXXX account to my Chase account to pay our rent due that day. 

XXXX provided Confirmation Code XXXX. The transaction initially showed as under review by the receiving financial institution. 

I contacted XXXX XXXX directly on XX/XX/year> and they confirmed by phone that Chase is withholding the funds. The money has already left XXXX XXXX, and XXXX has no further controlit is Chase holding the transfer. 

Despite multiple calls Chase representatives have given inconsistent explanations ( blaming XXXX XXXX, XXXX, or a system glitch ). Chase refuses to : 1. Provide a firm release time 2. Reverse the transfer back to my wife 's account 3. Release the funds to my account Impact Because of this delay : My rent payment was not received on time. 

I am on a month-to-month lease with a corporate property manager in North Carolina, which offers no grace period or renter protections.

My family and I now face immediate eviction and homelessness on top of additional funds we do not have ( late payment fees, court fees, ect. ) This is a housing emergency created entirely by Chase withholding funds without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase is reporting different remaining balances to different credit bureaus and its making it hard to resolve my debt. One company pulls the balance at {$18000.00}, while another is reflecting at {$9200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: BANKERS HEALTHCARE GROUP LLC
State: LA

Complaint narrative:
The terms of the loan is unfair lending practices. All of the money goes to interest and small amount goes to principle for the life of the loan causing me to have extended continual payments at a high rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
On [ date ], I began having issues with my accounts and policies with XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX 
XXXX XXXX : On XX/XX/XXXX, I was charged XXXX for insurance coverage I did not sign up for. I contacted the company on XX/XX/XXXX by phone but the issue has not been resolved. 
XXXX XXXX : On XX/XX/XXXX, I made a payment of XXXX toward my auto loan. The payment was [ misapplied, not posted on time, or resulted in late fees, etc. ]. I contacted XXXX XXXX on XX/XX/XXXX to resolve this, but the matter is still outstanding. 
XXXX : On XX/XX/XXXX, XXXX billed me XXXX for my insurance policy that was cancelled. I reached out to customer service on XX/XX/XXXX, but have not received a satisfactory resolution. 
I have made multiple attempts to resolve these matters directly with each company but have not received proper assistance. I am seeking [ refunds, corrections to my accounts, and/or removal of fees ] from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 non-monetary relief