vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: PA

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), a credit inquiry can only be made with my written consent or as otherwise permitted by law. I have reviewed my credit report and found inquiries that I do not recognize and did not authorize. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no recollection of authorizing these inquiries, and I request that you immediately investigate and remove them from my credit file if they can not be verified with proof of my explicit authorization. 

Please be advised that Section 609 ( e ) of the FCRA grants me the right to request and receive proof of authorization for each inquiry. If you can not provide such documentation, you are required by law to delete the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: PA

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), a credit inquiry can only be made with my written consent or as otherwise permitted by law. I have reviewed my credit report and found inquiries that I do not recognize and did not authorize. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no recollection of authorizing these inquiries, and I request that you immediately investigate and remove them from my credit file if they can not be verified with proof of my explicit authorization. 

Please be advised that Section 609 ( e ) of the FCRA grants me the right to request and receive proof of authorization for each inquiry. If you can not provide such documentation, you are required by law to delete the inquiry from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? It's no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. court in my area. This is my warning. I demand you to delete these items at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? It's no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. court in my area. This is my warning. I demand you to delete these items at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Date : XX/XX/XXXX Re : Disputed Account XXXX Acct NoXXXX XXXX XXXX XXXX XXXX XXXXXXXX | Dear Jefferson Capital Systems Compliance Department, I am writing to formally dispute the validity and legality of an alleged account associated with XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXXXXXX, which you claim to own and report. This account has already been disputed as fraudulent due to identity theft, and XXXX has confirmed it was sold to your company on XX/XX/XXXX. 

LEGAL DEMAND FOR FULL VALIDATION OF DEBT NOT A BILL OR STATEMENT Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and FCRA 611, you are legally obligated to provide full validation of the alleged debt upon request. A bill, invoice, statement, account summary, or itemized breakdown is NOT valid evidence of a lawful debt.

To validate this account, you must provide all of the following : 1. A signed contract or application bearing my name, signature, and date, showing I knowingly entered into a legal agreement ; 2. Chain of custody / assignment : Full documentation showing a lawful assignment or sale from the original creditor ( XXXX ) to your agency ; 3. Accurate history and documentation across all 3 bureaus.

4. Proof of your authority to collect or report on this alleged debt, including licensing if applicable in my state ; 5. Any communication where I acknowledged
or agreed to this debt ( which does not exist ) ; 6. A copy of any 1099-C form if this debt has been canceled or charged off, as required by the IRS.

If you can not produce every one of these items, you are not legally permitted to collect or report this account.

NO 1099-C RECEIVED = FRAUDULENT REPORTING If this debt has been charged off, forgiven, or discharged, you are required by IRS regulations to issue a 1099-C Cancellation of Debt form to both myself and the IRS. As of today, I have received no such form, which may constitute federal tax fraud if you are continuing to report a canceled or forgiven balance.

If I do not receive a valid 1099-C, I will file IRS Form 3949-A to report suspected fraudulent tax practices on your part.

REINSERTION BAN & CEASE COLLECTION DEMAND You are hereby ordered to : 1. Permanently delete this account from all credit reporting agencies ( XXXX XXXX XXXX XXXXXXXX ) ; 2. Provide a signed letter stating you will never reinsert this account into my credit file again ; 3. Cease and desist all phone calls, mail, emails, or further collection attempts as required under FDCPA 805 ( c ).

Failure to comply will result in immediate complaints to the CFPB, FTC, IRS, and State Attorney General. You are also subject to civil liability under 15 U.S.C. 1681n & 1681o for each FCRA violation.

This letter is written without waiver of any rights, remedies, or claims I may have under federal or state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Servicer under contract with Federal Student Aid
State: DC

Complaint narrative:
I did not give permission for my identity to be shared with all the parties. Please remove this from my credit immediately this is illegal.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I requested that my credit report be updated regarding my student loans. I disputed the status of my loans as they were showing deferred rather than closed. It showed the same loan three different times on my credit report. The first two were corrected ( with the same balance ), but the third one with a slightly different balance has not been corrected.

The first two accounts showed {$61000.00} as a balance. The third disputed item showed {$62000.00} as the balance. 
This is the response : XXXX XXXX, We reviewed the documentation you provided with your dispute, but determined that it was not sufficient to make the changes or deletions you requested. We then forwarded your documentation to the furnisher of the information, along with a description of your dispute, and asked them to investigate your dispute. If the item you disputed was a public record, we contacted the vendor who collected the information from a public record source and asked them to verify the public record information. The results of our reinvestigation are included here. 

I submitted my letter of forgiveness from the Department of Education and a screenshot from XXXX showing that I do not have any open loans with XXXX. 
The Department of education is under going cuts, and I don't want this to affect the accuracy of my credit report. I attempted to go on the XXXX  today, but it is down for maintenance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: MN

Complaint narrative:
Myself as well as many Netspend users are unable to access our accounts on the app and their website. Every time I go to log in, it brings back to the log in page. This is happening on the app and website. We are unable to log in for over XXXX hours now to access our funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
I got a letter from a lawyer advertisement claiming I'd been sued by XXXX XXXX  for a credit card debt in XXXX. After calling them, then the place they sent it to who sent it somewhere else, I finally got ahold of someone at Blitt and Gaines. The first woman I spoke to would not work with me on a payment arrangement and was very condescending about the issue and would not forward me on to a supervisor despite repeated requests. I later called back and spoke to a XXXX XXXX who set up an arragement for twice a month - and then received a summons about the court date. I was told that if I entered into a payment arrangement that they would work with me and let the court know that I had entered into the agreement to avoid court issues. I signed what I was told was a payment agreement and returned it to Blitt and Gaines who has been taking payments twice a month at my request. However, XXXX and the woman before spoke to me even though a lawsuit had apparently already been filed, and led me to believe that I would not need to fear any issues if I cooperated. I responded to the summons I received and explained that I had entered into this arrangement and was working with XXXXXXXX XXXX but today received information from the court that a default judgment had been entered. Not only did I personally walk my response to the summons into the court and put it into a human being 's hand, but I did as Blitt and Gaines wanted and set up the payment arrangement and XXXX told me that doing so would help me and that Blitt and Gaines would take my payment arrangement documentation to court so that I could avoid further issue. This good-cop bad-cop routine has me paying money I can't afford to avoid a lawsuit that was already filed and I was lied to through every step of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian Willful Inaccurate Reporting of Accounts After Bankruptcy Deletion To Whom It May Concern : I am writing to file a formal complaint against Experian for willful violations of the Fair Credit Reporting Act ( FCRA ) related to the inaccurate and misleading reporting of multiple accounts on my credit file. 

Recently, I disputed the bankruptcy that was appearing on my Experian credit report. After review, Experian removed the bankruptcy because they were unable to verify it. However, shortly after removing the bankruptcy, Experian deliberately altered the reporting of several accounts that were included in the bankruptcyturning them negative and in some cases updating them as charged off on the very date the bankruptcy was filed. 

The accounts in question include, but may not be limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This manipulation appears intentional and retaliatory. I have screenshots that prove Experian changed the status dates and account information immediately after removing the bankruptcy from my report. These actions are not only misleading, but they also violate my rights under the FCRA, specifically under 15 U.S. Code 1681i ( Reinvestigation of Disputed Information ) and 1681e ( b ) ( Maximum Possible Accuracy ).

These accounts were discharged in bankruptcy and should not be reported as newly delinquent, charged-off, or negative after the deletion of the bankruptcy. I am also attaching a copy of the list of creditors that were included in my bankruptcy for reference. 

I am demanding that the CFPB investigate this matter and that Experian immediately delete these accounts from my credit report. If this issue is not resolved promptly, I am prepared to take legal action and file a federal lawsuit against Experian for willful noncompliance and for the damages caused by these false entries. 

Please consider this a formal complaint, and I respectfully request that this be investigated with urgency. 

Sincerely, 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 2025-08-03 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: NY

Complaint narrative:
I am disputing an account reported by XXXX XXXX ( Account # XXXX ) on my Experian credit report. This account is being reported as charged off with a past-due balance of {$9100.00}. 
I have disputed this account multiple times, and Experian continues to mark it as " verified '' without providing proper verification as required under FCRA Section 611 ( a ) ( 7 ). 

I specifically requested the method of verification, including the name, address, and phone number of the verifying party, and supporting documentation used. Experian has failed to provide this information within the required timeframe. 

I believe Experian is reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB require Experian to provide full documentation of the verification or immediately remove this account from my credit report as it can not be properly verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: SC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I paid off my Bank of America credit line, but my debt management service ( XXXX ) continued to send payments after the balance was XXXX. This resulted in a negative balance ( they owe me {$49.00} ). I've spent days trying to reach someone at BOA to request a refund. There's no way to send a secure message, no email, and phone support leaves me on hold for hours. I am requesting an immediate refund of the overpaid amount.

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 2025-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was defrauded through a cryptocurrency investment scam involving a fake trading platform. I wired funds from my Chase checking account under the false impression that I was investing with legitimate guidance. After realizing it was a scam, I immediately filed a complaint with Chase. However, they denied my claim, stating that the wire was authorized despite it being made under false pretenses.

This scam fits the criteria of an authorized fraud where I was deceived into voluntarily transferring money. Chases refusal to provide recovery or cooperate fully with law enforcement investigations is deeply concerning, especially given recent advisories from XXXX about pig butchering and romance investment scams. 

I am a retired federal employee, and the funds I lost were from my pension savings. I have reported this scam to the FBI via XXXX ( Submission ID : XXXX ) and to my local law enforcement ( XXXX XXXX XXXX, Report No. XXXX ). 

I am requesting that Chase reevaluate its denial and cooperate with federal authorities to help recover the wired funds.

Company Im Complaining About : Chase Bank / JPMorgan Chase Phone number/email provided : XXXX XXXX Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I recently obtained a copy of my credit report online and found that you are reporting the following delinquent account ( XXXX ) that are past the XXXX reporting period as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ). According to the FCRA, accounts that are delinquent should not be reported after XXXX years from the date of the original delinquency. Therefore, the following account ( XXXX ) should be deleted immediately : XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Reporting this account as anything other than Included in Bankruptcy with a {$0.00} balance is both misleading and unlawful. I am requesting that this account be immediately removed entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation