vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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:
Company has furnished /obtained my credit information without my explicit 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked or Delete : XXXX. XXXX XXXX/ XXXX XXXX. XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I am filing a complaint regarding a debt account that is not only being inaccurately reported, but is also accompanied by continued harassing communication in violation of the FDCPA ( 15 U.S.C. 1692c ). 

Despite informing the company in writing that I do not wish to be contacted by phone regarding this account, I have continued to receive frequent and unwanted calls. I have made it clear that I dispute the validity of the alleged debt and requested all future communication be in writing only, as allowed under the law. 

However, the company continues to : Call my phone, including from multiple numbers Leave automated messages Fail to provide validation or proper documentation when asked This behavior is : Unlawful under FDCPA 805 ( c ), which prohibits continued contact after a written request to cease Harassing and causes undue stress Indicative of aggressive collection tactics without verification or justification There has been no validation of the debt provided, no breakdown of the balance, and no legal response to my written dispute. Yet communication attempts continue, which suggests either willful disregard for consumer rights or a breakdown in compliance oversight.

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 2025-07-20 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: GA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( XXXX ) are being reported inaccurately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like XXXX. 

If the item can not be verified with original documentation, it must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a Certified Return Receipt Letter to XXXX XXXX through the XXXX and I have not gotten a response to my letter for them to show me where I had a contract in my name for the purchase of this credit file. 

After over XXXX days I have not received response to my request.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a Certified Return Receipt Letter to XXXX XXXX through the XXXX and I have not gotten a response to my letter for them to show me where I had a contract in my name for the purchase of this credit file. 

After over 30 days I have not received response to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a Certified Return Receipt Letter to XXXX XXXX through the XXXX and I have not gotten a response to my letter for them to show me where I had a contract in my name for the purchase of this credit file. 

After over XXXX days I have not received response to my request.

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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I have disputed a charge on my credit card that someone scammed me but my bank help scammers not me and didnt take my money from scammers or hide the money from me. My bank did not give me a full chance to submit all necessary information about the disputed claim. My phone number is XXXX and my email is XXXX. What happened was that the XXXX XXXX XXXX XXXX told me that will give me XXXX profits on XXXX investment and do private label for me but after one when I placed order on my own Shopify store so they sourced the product from XXXX and didnt make me private label store so I requested refund but they refused and I go ahead and disputed the charges because they didnt follow the deal which he send on my email I have all the proofs and Text messages which hes clearly mislead me and stole XXXX from me but my bank didnt give me a chance to show all the details.

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 monetary relief
Consumer complaint received 2025-07-20 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:
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 To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of a fraudulent XXXX XXXX account that appears on my credit file, allegedly opened in XX/XX/XXXX. I did not open this account, did not authorize its creation, and have never maintained any account with XXXX XXXX. I am a documented victim of identity theft, and I believe this account was established using my personal information, which was compromised in the XXXX Equifax data breach. As a result, this account is not only fraudulent, but the continued reporting and/or collection of this debt violates federal law. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am exercising my right to block all reporting of information that resulted from identity theft. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I am requesting immediate cessation of any collection activity and demand full verification, which you will be unable to provide as this debt is not valid. Moreover, under federal criminal law ( 18 U.S.C.

1028 & 1029 ), knowingly reporting or attempting to collect a debt that results from stolen identity is a criminal offense. Therefore, I demand that this fraudulent XXXX XXXX account be permanently removed from all credit reporting agencies ( Equifax, Experian, and TransUnion ), and that all collection activity related to it cease immediately. You are also directed not to sell, transfer, or reactivate this account under any circumstances. Please provide me with written confirmation within XXXX ( XXXX ) business days that this matter has been resolved, that the account has been deleted, and that no further action will be taken. If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney General 's Office, and I will pursue legal action for statutory and actual damages as allowed under the FCRA and FDCPA. Enclosed with this letter are copies of my government-issued identification, proof of address, my FTC Identity Theft Report, and supporting evidence confirming I was affected by the Equifax data breach, along with a copy of the credit report displaying the unauthorized account. I trust that you will handle this matter swiftly and in compliance with federal laws

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 2025-07-20 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:
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 To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of a fraudulent XXXX XXXX account that appears on my credit file, allegedly opened in XX/XX/XXXX. I did not open this account, did not authorize its creation, and have never maintained any account with XXXX XXXX. I am a documented victim of identity theft, and I believe this account was established using my personal information, which was compromised in the XXXX Equifax data breach. As a result, this account is not only fraudulent, but the continued reporting and/or collection of this debt violates federal law. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am exercising my right to block all reporting of information that resulted from identity theft. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I am requesting immediate cessation of any collection activity and demand full verification, which you will be unable to provide as this debt is not valid. Moreover, under federal criminal law ( 18 U.S.C.

1028 & 1029 ), knowingly reporting or attempting to collect a debt that results from stolen identity is a criminal offense. Therefore, I demand that this fraudulent XXXX XXXX account be permanently removed from all credit reporting agencies ( Equifax, Experian, and TransUnion ), and that all collection activity related to it cease immediately. You are also directed not to sell, transfer, or reactivate this account under any circumstances. Please provide me with written confirmation within XXXX ( XXXX ) business days that this matter has been resolved, that the account has been deleted, and that no further action will be taken. If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney General 's Office, and I will pursue legal action for statutory and actual damages as allowed under the FCRA and FDCPA. Enclosed with this letter are copies of my government-issued identification, proof of address, my FTC Identity Theft Report, and supporting evidence confirming I was affected by the Equifax data breach, along with a copy of the credit report displaying the unauthorized account. I trust that you will handle this matter swiftly and in compliance with federal laws

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 2025-07-20 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:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( XXXX ) are being reported inaccurately : Account Name : 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 I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like 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 2025-07-20 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: Kikoff Inc.
State: MI

Complaint narrative:
I take full responsibility for the late payment and want to provide context. In XX/XX/XXXX, I experienced a devastating disruption in my income due to losing XXXX members of my immediate family to death, and XXXX to unexpected hospitalization. During this challenging time, my focus shifted to ensuring their well-being, and unfortunately, my payment schedule was impacted. I had to sell everything valuable I owned to keep my sister on life support. This horrifi c experience has caused a dent in my credit profi le and I am attempting to take measures with my negative reportings from XX/XX/XXXX. Despite this setback, I prioritized making payments as soon as possible and brought my account up to date. 
Throughout my relationship with Kikoff, I've demonstrated a commitment to responsible fi nancial management. From opening my account in XX/XX/XXXX to closing it in XX/XX/XXXX, I've made timely payments consistently, with the exception of this single instance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: DISCOVER BANK
State: MI

Complaint narrative:
I have repeatedly made Discover aware that this account they have been reporting never belonged to me. I was incarcerated for XXXX entire years ( including the date this account was opened ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
Hello this card has XXXX credit limit but showing 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello this card has XXXX credit limit but showing 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 2025-07-20 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: NY

Complaint narrative:
Hello this card has XXXX credit limit but showing XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CL Holdings LLC
State: AL

Complaint narrative:
Subject : Urgent Clarification Needed Regarding Credit Reporting Greetings : I am seeking clarification regarding my account with JEFFERSON CAPITAL SYSTEMS, a third-party creditor that acquired my XXXX XXXX debt in XX/XX/XXXX. Per my payment agreement, I committed to making 18 monthly payments of {$340.00}, and I have successfully made 17 consecutive, on-time payments, with the final payment scheduled for XX/XX/XXXX. 

However, I am perplexed by the reporting from the three major credit bureaus, which indicates that my account is categorized as seriously delinquent and reflects zero payments made in the past 17 months. I find it difficult to reconcile this with the fact that my balance has decreased, which indicates that payments have been made.

Could you please clarify how this situation arises? It seems contradictory to have a decreasing balance while simultaneously being reported as having missed payments. I appreciate your assistance in resolving this matter.

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation