vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX  # XXXX XX/XX/year> -- {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies and outdated information reported by the three major credit bureaus TransUnion, XXXX and XXXX including a late open account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Balance {$4300.00}, Date Opened XX/XX/XXXX, Last Payment XX/XX/XXXX ), a late closed account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$8300.00} ), and a charge-off with XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$5100.00} ), which are being reported with incorrect or incomplete payment histories, balances, dates, and account statuses ; these errors violate my rights under the FCRA, including 1666, 1666a, 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ), and have caused significant distress and potential harm to my creditworthiness, as the reporting does not accurately reflect the current status of my accounts, fails to show proper updates, and may mislead potential lenders regarding my financial responsibility.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, I received a phone call from Southwest Credit ( XXXX ). The call disrupted my sleep. I captured a screenshot of the call as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable items on my credit report and improper debt collection practices. XXXX  ( XXXX XXXX XXXX XXXX, {$5400.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$750.00} ) have reported debts that I dispute under DCPA 809 and FDCPA XXXX for false, misleading, and unfair practices. Additionally, my credit report contains numerous hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, many of which lack permissible purpose or remain beyond the allowable reporting period under FCRA 604, 605, 611 , and 623. I dispute all inaccurate, obsolete, or unverifiable debts and inquiries and request that any reporting cease until validation is provided, in accordance with my rights under FDCPA, DCPA, and 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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Complaint to the CFPB XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Address : XXXX  XXXX XXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint because XXXX XXXX XXXX failed to respond to my written dispute sent by certified mail, and the credit reporting agencies later marked the account as verified without providing any documentation or explanation. I am requesting removal of this account from my credit reports due to lack of verification and failure to comply with federal law. 

Detailed Statement On XX/XX/2025, I sent XXXX XXXX XXXX a written dispute and demand for validation by mail regarding an alleged debt they claim I owe, Account No. XXXX, with a claimed balance of {$940.00}. The letter cited my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) and requested original, primary documentation to verify the debt. 

XXXX XXXX XXXX never responded to my certified dispute and did not provide any validation or documentation. 

After receiving no response, I disputed the account with the credit reporting agencies. The only responses I received were automated notices stating that the account was verified. These responses included no documents, no explanation of how the verification was performed, and no evidence supporting the accuracy of the alleged debt. 

As of today : The debt buyer has never validated the debt No original contract, payment history, or chain of assignment has been provided The credit bureaus relied solely on an electronic verified response The account continues to appear on my credit reports despite being unverified Violations and Legal Concerns I believe the following violations have occurred : FDCPA 15 U.S.C. 1692g ( b ) : Failure to provide validation and to cease collection after a timely written dispute FDCPA 15 U.S.C. 1692e : Misrepresentation of the amount and legal status of the debt by continuing to report it without proof FCRA 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation and to correct or delete unverifiable information FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Information that can not be verified must be deleted A verified response without documentation does not meet the legal standard for a reasonable investigation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Complaint to the CFPB Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, TX XXXX Company : XXXX XXXX XXXX XXXX  Original Creditor : Progressive Alleged Balance : {$180.00} Complaint Summary I am filing this complaint because XXXX XXXX XXXX XXXX failed to respond to my written dispute sent by mail, and the credit bureaus later marked the account as verified without providing any supporting documentation. I am requesting removal of this account due to lack of verification and failure to comply with federal law. 

Detailed Statement On XX/XX/year>, I sent XXXX XXXX XXXX XXXX a written dispute requesting verification of an alleged collection account they are reporting related to Progressive in the amount of {$180.00}. The company never responded to my dispute and did not provide any validation or documentation. 

After receiving no response from the company, I disputed the account directly with the credit reporting agencies. In response, the credit bureaus sent me automated notices stating that the account was verified. These responses included no documents, no explanation of investigative steps, and no proof showing how the account was verified. 

To date : The collection agency has never validated the debt No documentation has been produced showing I owe this account The credit bureaus relied solely on a furnishers electronic verification The account continues to appear on my credit reports despite being unverified Violations and Legal Concerns I believe the following violations may have occurred : FDCPA 1692g ( b ) Failure to provide validation and cease collection after a written dispute FDCPA 1692e Misrepresentation of the debt by continuing to report it without proof FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation and correct or delete unverifiable information FCRA 1681i ( a ) ( 5 ) Information that can not be verified must be deleted A generic verified response without documentation does not meet the standard of a reasonable investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 have no association with this account the information on my report is incorrect.

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 2025-12-18 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I pre-ordered a XXXX coffee maker on XX/XX/XXXX in the amount of {$670.00} with a promise to ship early XXXX. Date came and went so I reached out to the company for status and eventually asked for a cancelation. They sent acknowledgement and a promise to refund but never received. I finally reached out to my credit card company and asked to dispute the charge but was told I was outside of the dispute window and was denied a refund. So at this moment, the XXXX company and my Chase credit card company have not refunded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX and XXXX. Please disclose the current amount of any unpaid escrow past dues. Please disclose the current amount of any unpaid current escrow dues.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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/year>

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing a complaint regarding PenFed XXXX XXXX handling of a debit card dispute governed by Regulation E ( 12 CFR 1005.11 ). 

I reported unauthorized debit card transactions on XX/XX/year>XXXX  involving a sportsbook application. Despite my cooperation and submission of supplemental information raising concerns of unauthorized access and account misuse, PenFed either refused to accept or failed to consider this information as part of its investigation. 

Regulation E requires a reasonable investigation and consideration of consumer-provided information. Refusing to accept or consider relevant supplemental information undermines the reasonableness of the investigation.

Additionally, PenFed failed to clearly confirm whether provisional credit was issued by the 10-business-day deadline, or to provide a documented determination supported by evidence demonstrating authorization of the transactions. 

I am requesting that the CFPB review whether PenFed complied with its obligations under Regulation E, including investigation procedures, documentation, and provisional credit requirements.

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 2025-12-18 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: NM

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-12-18 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I made a transfer that did not go through, and because of that reason they said I would not have access to my funds that were already in the account until they called the other bank to verify that the funds were in the account at the time if the transfer I told them they were not because I made another transfer that made the account be short the amount I requested to transfer to Morgan Stanly. They representative then said they will have to call the other bank with me and get balance info and what names are on the account I told them that I would not let them invade my privacy in that manner and the representative them stated I would not have access to the funds in my account until we called the other bank I was on the phone for over an hour trying to solve this issue and most of my time was spent on hold with the representative coming back every 20 minutes or so to tell me the same thing I requested a manager and I was put on hold for an additional 20 minutes and the representative never came back on the line after I requested a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 submitting this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion that have caused significant confusion and potential harm to my creditworthiness. Across all three bureaus, my name appears in numerous incorrect variations, including XXXXXXXX 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 while my addresses are inconsistently reported as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX, GA XXXX, creating misleading information and violating FCRA obligations for accurate reporting. Several accounts, including XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ), show conflicting balances, last activity dates, and reporting dates across bureaus, and XXXX XXXX XXXX  accounts appear with inconsistent reporting dates on TransUnion, indicating duplicate or outdated information. These inaccuracies violate FCRA Sections 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( b ), as well as permissible inquiry requirements under 604 ( a ). I have attempted to resolve these directly with each bureau, but the errors remain, and I am now requesting CFPB assistance to ensure the bureaus properly investigate, correct, or delete all inaccurate, outdated, or unverifiable information, including all incorrect names, addresses, account details, and inquiries.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I lost my card or it was stolen, and I reported it to the bank with all the charges that I did not recognize. They came back and said they were not going to honor the dispute because a pin number was used at some of the merchants, which would not be possible because I didnt even know what my pin number was nor did I ever use one and whoever used the card would not have my pin number either. Also, someone created a XXXX account several of them in my name and used my bank account information debit card and XXXX knows this and deleted those accounts, but I still was charged for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: KS

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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