vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: 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. 

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 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: TX

Complaint narrative:
Revoked ACH Authorization from Earnin on XX/XX/year>. On XX/XX/year>, Earnin debited a total of {$310.00} from my checking account without my authorization. Customer Service owned up to the mistake but did not reverse the charge and told me I had to wait for the charge to post. I am now missing {$310.00} from my account. This should not have happened in the first place. Revoking ACH Authorization should be final and should not be a roll of the dice. XXXX concerned they are doing this to other consumers who may not be as aware of their finances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXXXXXX 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 explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am filing this complaint against Equifax due to its continued reporting of a charge-off account allegedly originating from XXXXXXXX XXXX XXXX listed with an account number ending in XXXX and a charge-off date of XX/XX/year>, for the amount of {$2200.00}. The account appears in my report with highly inconsistent and erroneous formatting ( e.g., repeated XXXXXXXX XXXX names ), which already raises flags about its data integrity. Beyond that, this charge-off is being reported without any verifiable documentation or original creditor evidence, despite multiple disputes I have filed over the past year. 

According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to follow reasonable procedures to assure maximum possible accuracy of any information included in a consumers credit report. Continuing to report a derogatory account that can not be verified or supported with any proper documentation, including a signed credit agreement or full payment history, is a violation of this statutory obligation. 

Furthermore, under 15 U.S.C. 1681i, I submitted formal disputes requesting that Equifax conduct a proper reinvestigation and either validate this account with original source documents or delete it. Instead, Equifax simply verified the item with the furnisher using an automated method, without ever providing me with any real, tangible proof of this debt 's legitimacy. This shallow and inadequate verification fails to meet the standard of a meaningful reinvestigation, as required by law. 

I am not contesting the item out of confusionI am contesting it because Equifax has failed to produce anything substantiating that this debt even belongs to me, let alone that the balance and reporting dates are accurate. This account has remained unresolved on my file for nearly a decade, during which time Ive endured multiple denials for essential credit-based servicesmortgage pre-approvals, auto loans, and even employment background checksbecause of this item alone. The emotional toll has been immense, as Ive felt like XXXX being held XXXX by an outdated and unverified blemish that I can not shake off no matter how many times I follow the correct channels for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit report, nor did I apply for any credit with them. These inquiries were made without my permission and are a violation of my rights as a consumer. 

My credit and peace of mind are important to me, and the presence of these unauthorized inquiries is adding to an already stressful situation.

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 2025-07-23 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: AZ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This letter is in response to your recent communication and CFPB submission referencing a Capital XXXX account allegedly opened on XX/XX/year>, and purchased by Portfolio Recovery Associates ( PRA ). I would like to formally dispute the validity of this account and raise serious concerns regarding the inaccuracy of your records. 

Incorrect Name Listed The name you listed on the account is XXXX XXXX XXXX. This is not my legal name. My correct name is [ XXXX XXXX XXXX ]. This discrepancy raises questions about the accuracy and ownership of the alleged debt, and suggests a potential case of mistaken identity or identity theft. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am formally requesting validation of this debt, including : 1. A copy of the original signed agreement bearing my correct name ; 2. Documentation showing a full chain of custody from the original creditor ; 3. Verification that I am legally responsible for this account ; 4. Clarification on why your records contain a misspelled and inaccurate name.

Disputing the Debt Under FCRA According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am disputing the accuracy of the information youve reported to consumer credit bureaus. Under this law, you are required to : Conduct a reasonable investigation ; Delete or correct any inaccurate, incomplete, or unverifiable information within 30 days ; Notify all consumer reporting agencies to which you provided the disputed information.

If you can not validate the debt and prove that it legally belongs to me, you must : Immediately cease all collection activity ( as required by FDCPA 809 ( b ) ) ; Remove all tradelines associated with this account from my credit report ; Provide written confirmation that the account has been deleted.

Summary of My Legal Rights and Demands : You are hereby notified that I do not acknowledge ownership of this debt.

Any future communication must be in writing only.

You are prohibited from further reporting this account to credit agencies until proper validation is provided ( FCRA 623 ).

Any attempt to collect on a debt without proper validation is a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please consider this letter a formal demand to correct your records and cease further actions until the matter is properly resolved. If I do not receive a legally sufficient response within 30 days, I will pursue additional remedies available to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I have gotten 2 letters regarding a medical bill that needs paid by insurance. I have been told to email this information and the email is not a working email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have had several accounts with Chase Bank for a decade ( plus several credit cards ). In XX/XX/XXXX, without notifying me, they started deducting {$25.00} a month from one account. I was not monitoring the account and did not notice it until 13 months later. I called them to complain on XX/XX/XXXX and spoke to a supervisor. They told me that I needed to keep at least {$15000.00} in my total accounts in order to not incur a service charge. When I informed them that I had close to {$46000.00} they didn't have an answer and said they would call me back. The next day I spoke to someone higher up but she still didn't have a logical answer. When I pointed it out she said they would get back to me again. The next call from Chase came 12 days later on XX/XX/XXXX. Still no logical answer leaving the caller flustered for the third time. The following day I was told by Chase that my refund was denied, except for the prior month. Again, they had no logical answer and could not give one -- especially when it came to why they started deducting money in XX/XX/XXXX -- just saying that it wasn't the decision of the person calling me. I demanded a written explanation for the denial and they refused. 

Chase has taken {$320.00} of my money from my account that I've had for a decade or more. I had not changed anything in XX/XX/XXXX when they started deducting {$25.00} each month and have offered no explanation that the phone person could answer properly. They returned only {$25.00} for the month of XX/XX/XXXX and wouldn't even tell me if they intended on charging me this fee in the future! I want to be reimbursed for the {$300.00} that they unlawfully took from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX 'S XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AZ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-07-23 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: AZ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-07-23 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/year> TransUnion

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 2025-07-23 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: IN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/2025 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC
State: MI

Complaint narrative:
Speedycash.credit is a scam company who promises a loan but doesnt give you one they steal money from your account instead. Told me they deposit {$500.00} into your account then you transfer it to some insurance card to insure your loan then youll get the loan you were approved for. I did the transfer which didnt clear so my bank was negative {$500.00} plus they tried withdrawing {$1000.00} which ended up with the bank closing my account. All within XXXX hours. ( XXXX ) XXXX, ( XXXX ) XXXX at the phone number they used and is posted on their fake webpage

Company response to consumer: Closed with explanation