vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Using 15usc1681 I never gave them written consent to furnish my information or obtain my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
Im disappointed to see a late payment flagged despite my steady payment history. Please review and correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I made payment arrangements for so my payments would not be late, but they made the arrangement but still incorrect report as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute a personal address currently listed on my Equifax credit report that is inaccurate and should be removed immediately. 

The address in question is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX This is not my current or valid address, and I have no verified association with it at this time. I am requesting that this address be permanently removed from my credit report as it may be linked to incorrect or fraudulent activity.

In accordance with the Fair Credit Reporting Act ( FCRA ), all personal information reported must be accurate and verifiable. Please update my credit profile to reflect only valid and current personal identifying information.

I have enclosed the following documents for identity verification : A copy of my government-issued ID Proof of my current address ( utility bill, lease, etc. ) I appreciate your prompt attention to this matter, and I request a written confirmation once the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding a late payment reported by XXXX XXXX, XXXX on my Equifax credit report. The account number ends in XXXX, and the payment in question was marked 30 days late in XX/XX/year>. 

I am disputing this reporting because I either : 1. Did not miss this payment, or 2. Was not properly notified or given documentation to validate the delinquency Under the Fair Credit Reporting Act ( FCRA ), all credit data must be 100 % accurate, complete, and verifiable. XXXX has failed to provide any proof that this late payment occurred, and as such, it is causing unjust damage to my credit profile and debt-to-income ratio as I prepare to qualify for a mortgage.

I previously contacted the furnisher and/or credit bureau to request removal or documentation, but have not received a satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan : Certificate of Savings XXXX : POD ( Payable on Death ) request denied. 
XXXX : Per Chase agent soft closing of current savings and checking accounts due to inactivity. 
XXXX : Self access to savings and checking accounts denied after inquiring about JP Morgan Certificate of Savings POD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
I paid off a debt to a third-party collection agency. The original creditor ( XXXX or XXXX Bank ) has confirmed I no longer have an account or owe a balance. However, they continue to report the account as a charge-off with late payments and derogatory status to the credit bureaus. This is misleading, inaccurate, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have made a good-faith request to correct or remove the tradeline, but they have failed to take appropriate action.

Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian & Equifax ) Date of Last Activity : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( Equifax ) Reported as : Charge-Off / Collection Balance : {$0.00} across all three bureaus Status : Closed, but marked as Derogatory / Charge-Off This account is inconsistent across the three bureaus, paid in full, and no longer legally collectible. Despite this, you continue to report it as : Charged off Derogatory With inconsistent dates and statuses {$0.00} balance but still impacting my credit as negative Both the original creditor ( XXXX ) and the third-party collector have confirmed that I no longer have any account or obligation with either party. Therefore, the continued reporting of this account is inaccurate, misleading, and a direct violation of federal consumer protection law.

The original creditor is violating the following sections of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) : Failure to correct or delete inaccurate information after dispute 15 U.S.C. 1681s-2 ( a ) : Continuing to report data they know is inaccurate 15 U.S.C. 1681c ( a ) ( 4 ) If this debt was charged off and sold in XXXX, it is approaching its reporting obsolescence window. Misreporting the dates may result in illegal re-aging of the account.

DEMAND FOR PERMANENT DELETION This item is : Legally invalid Factually inaccurate No longer verifiable Damaging my credit file unjustly Therefore, I demand the permanent deletion of this account from all three credit bureaus, not merely a correction.

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 2025-07-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-07-31 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 to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-07-31 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: KY

Complaint narrative:
b'Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction:\nBankruptcy XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXX Late 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX  goes here, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : A collections account opened at CREDIT COLLECTION SERVICES on XX/XX/XXXX with a balance of $ ( private ), associated with the aforementioned personal loan account. 

These accounts have resulted in fraudulent collections on my consumer FICO credit report. I have attached a list of the alleged collection accounts and a copy of the consumer credit report maintained by you, which shows these fraudulent items.

I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud.

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.

I request immediate removal of these items as per my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Subject : FORMAL COMPLAINT - VIOLATIONS OF FCRA 605 ( c ) & 623 Failure to Remove Paid/Obsolete Accounts from Credit Reports To the CFPB : I file this complaint under 12 U.S.C. 5493 ( b ) regarding willful violations of the Fair Credit Reporting Act ( FCRA ) by credit bureaus and furnishers. The following accounts must be removed immediately per federal law : Illegally Reported Accounts Furnisher Account Number Legal Violation ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 605 ( c ) ( 15 U.S.C. 1681c ) - Paid collection must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 605 ( a ) ( 4 ) - Over 7 years old ( Paid XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  FCRA 605 ( c ) - Paid collection not excluded from 7-year reporting period XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dual violation : 1. FCRA 605 ( a ) ( 4 ) - Reporting >7 years 2. 623 ( a ) ( 1 ) ( B ) ( 15 U.S.C. 1681s-2 ) - Inaccurate balance Legal Requirements Violated FCRA 605 ( c ) : Prohibits reporting paid collections beyond the original 7-year period starting from the date of first delinquency ( 15 U.S.C. 1681c ( c ) ).

FCRA 605 ( a ) ( 4 ) : Bans reporting civil judgments, paid tax liens, or accounts placed for collection >7 years old ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

FCRA 623 ( a ) ( 1 ) ( B ) : Furnishers must correct inaccuracies upon discovery ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX  goes here, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : A collections account opened at CAINE & WEINER on XX/XX/XXXX with a balance of $ ( private ), associated with the PROGRESSIVE which is a personal loan account. 

These accounts have resulted in fraudulent collections on my consumer FICO credit report. I have attached a list of the alleged collection accounts and a copy of the consumer credit report maintained by you, which shows these fraudulent items. 

I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud.

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.

I request immediate removal of these items as per my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-07-31 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: MD

Complaint narrative:
XXXX XXXX, {$1000.00}, XX/XX/XXXX XXXX ( XXXX ). {$490.00}, XX/XX/XXXX XXXX XXXX XXXX, {$970.00}, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX {$350.00}, XX/XX/XXXX XXXX XXXX XXXX {$350.00}, XX/XX/XXXX Ive contacted them all letting them know these are not my accounts and I need them removed.

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 2025-07-31 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: MD

Complaint narrative:
XXXX XXXX, {$1000.00}, XX/XX/XXXX XXXX ( XXXX ). {$490.00}, XX/XX/XXXX XXXX XXXX XXXX, {$970.00}, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX {$350.00}, XX/XX/XXXX XXXX XXXX XXXX {$350.00}, XX/XX/XXXX Ive contacted them all letting them know these are not my accounts and I need them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief