vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
Equifax / Experian / TransUnion Re : Dispute of Inaccurate Medical/FCU Reporting Delete XXXX  XXXX  XXXX and XXXX XXXX XXXX To Whom It May Concern : I am disputing XXXX inaccurate accounts on my credit report : XXXX. XXXX  XXXX XXXX XXXX XXXX Incorrect Creditor XXXX  XXXX XXXX was never the creditor for this medical account. The medical provider was XXXX  XXXX XXXX, and the debt was assigned to XXXX XXXX XXXX. This reporting is false and violates FCRA 602 ( a ) and 623 ( a ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX by Insurance This medical bill was paid by insurance. Under CFPB medical reporting rules, medical debt paid by insurance must not be reported. 

Requested Action : Please delete BOTH entries immediately : - XXXX  XXXX XXXX XXXX XXXX XXXX incorrect XXXX XXXX XXXX XXXX XXXX ( insurance-paid medical collection )

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 2025-12-16 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: AR

Complaint narrative:
I am submitting a complaint against Equifax, Experian, and TransUnion regarding multiple inaccurate and unverified items on my credit report, including collection accounts with XXXX ( XXXX XXXX, {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ), and XXXX & XXXX XXXX XXXX {$500.00} ), which report incorrect balances, obsolete information, and potentially inaccurate dates of first delinquency, violating FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), and debt collectors have failed to validate these debts as required under DCPA 809, with some practices appearing misleading or unfair under FDCPA XXXX and XXXX ; additionally, numerous hard inquiries including XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX appear on my report without permissible purpose or beyond the allowable reporting period, violating FCRA 604 ( a ), 605 ( a ), and 611, all of which have negatively impacted my creditworthiness, and prior attempts to resolve these issues directly with the bureaus and creditors have been unsuccessful.

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 2025-12-16 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: AR

Complaint narrative:
I am submitting a complaint against Equifax, Experian, and TransUnion regarding multiple inaccurate and unverified items on my credit report, including collection accounts with XXXX ( XXXX XXXX, {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ), and XXXX & XXXX XXXX XXXX {$500.00} ), which report incorrect balances, obsolete information, and potentially inaccurate dates of first delinquency, violating FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), and debt collectors have failed to validate these debts as required under DCPA 809, with some practices appearing misleading or unfair under FDCPA XXXX and XXXX ; additionally, numerous hard inquiries including XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX appear on my report without permissible purpose or beyond the allowable reporting period, violating FCRA 604 ( a ), 605 ( a ), and 611, all of which have negatively impacted my creditworthiness, and prior attempts to resolve these issues directly with the bureaus and creditors have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 my XXXX follow-up dispute regarding multiple inaccurate, misleading, and unverifiable entries on my credit reports with Experian, Equifax, and TransUnion, and I am formally demanding their complete removal. 
On Experian, my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly reported as late closed with a {$0.00} balance, and XXXX XXXX XXXX also shows a {$0.00} balance despite being inaccurately reported. Additionally, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reported as charge-offs with a {$0.00} balance, which is patently false and unverifiable. These reporting errors violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as the information is not reported with maximum possible accuracy. 
On Equifax, the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is again reported inaccurately as late closed, and there are multiple erroneous inquiries, including XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX, none of which are authorized or verifiable. These inaccuracies misrepresent my credit behavior and violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2. 
On TransUnion, * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as late closed with a {$0.00} balance, and there are multiple unauthorized inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These inquiries are impermissible under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The continued reporting of these unverifiable accounts and inquiries has already caused and continues to cause harm to my creditworthiness.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-16 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: TX

Complaint narrative:
There is an account that is appearing on my consumer credit report as a potentially negative item from XXXX XXXX XXXX. The account has been paid off and is closed. The status states that it has been paid in full as well. Experian is refusing to remove the account from my consumer credit report and is instead only adding updated comments. The most recent being from XX/XX/year>. Since the account has already been paid in full and the account is closed, the account needs to be removed from my consumer 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 2025-12-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX  XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Account does not belong to me and never has. Name on account does not match my legal name. Original creditor was XXXX and they removed it from my file after discovering it did not belong to me only for this debt collector to place it on my account a second time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, the primary cardholder on my account called Citi Cards fraud department at approximately XXXX PM to activate XXXX XXXX for me as an authorized user. The primary cardholder is XXXX and used relay service to make this call, which is their only means of phone communication and a federally protected accommodation under the Americans with Disabilities Act. 
The primary cardholder successfully verified their identity by providing the card number, security word, Social Security number, and full name as it appears on the card. The representative, XXXX, acknowledged receipt of all this information and stated she would assist with XXXX XXXX activation. 
However, after placing the cardholder on hold for over 9 minutes, Citi froze the credit card account. When the cardholder informed the representative of the freeze, she disconnected the call claiming " no response '' - despite active participation throughout the entire call via relay service.

I then called Citi fraud department myself and spoke with a supervisor. They refused to unfreeze the account and instead stated they must send a " verification letter '' to the mailing address that will arrive in 7-10 business days - solely to verify that the primary cardholder is not committing fraud because they are XXXX and used relay service. 
This is blatant disability discrimination. Citi is requiring additional verification steps - a 7-10 day waiting period - that would NOT be required if the primary cardholder were hearing. The cardholder provided all standard verification information correctly. Relay services are federally mandated telecommunications accessibility services protected under the ADA. Creating additional barriers and waiting periods because someone is XXXX and uses their legally protected accommodation is illegal discrimination.

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 2025-12-16 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I dropped my car off at an auto repair shop, XXXX XXXX. I signed when I dropped it off, aXXXX XXXX XXXX, authorizing the company to drive my car as needed to identify the problem. XXXX XXXX called back at XXXX, and told me the repair was going to be {$2100.00}, and that I could not safely pick up my car or drive my car without the repair. This phone call lasted XXXX minutes. I contacted another mechanic and got a quote for the same work to be done for {$700.00}. I called XXXX XXXX back XXXX minutes later, at XXXX, and informed them I would be picking my vehicle up. They said that I could not pick my vehicle up, that they had already started and must finish the repairs. I offered to pay for an hour of labor ( for the XXXX minutes that had elapsed ) and told them I wanted to pick up my car. They refused and said all they could offer me was lowering the price to {$1500.00}, but that I had no choice but to have them finish the repairs. I told them I would tow the car if it was not drivable and they still refused, stating that the repairs must be done by them. This phone call lasted XXXX minutes where I attempted to resolve the issue and come to an agreement to pick up my vehicle. XXXX XXXX simply refused and carried out the repairs. I picked my car up at XXXX pm and was forced to pay the {$1500.00}. I did not sign authorizing these repairs. I have the original receipt with no signature. When I disputed this claim with Chase Bank, XXXX XXXX supplied the receipt, but with the signature from me dropping my car off on the receipt- to be clear : they had transposed the XXXX am signature to appear as if I signed authorizing the charge. They also submitted a letter to Chase stating I called the shop back " hours later '' - I submitted the call log to Chase to prove I called back XXXX minutes later. Chase has sided with XXXX XXXX stating these charges are valid. I disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Andover Auto Sales, Inc. D.B.A. Broadway Auto Mall
State: KY

Complaint narrative:
Unlawful repossession, unlawful charges and violations of TILA AND REGULATIONS XXXX CODES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I am submitting a follow up compliant to demand the immediate and permanent removal of the inaccurate and unverifiable accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my Experian and TransUnion credit reports. Despite multiple previous disputes, including five prior follow-ups, these accounts continue to be reported as charge-offs with balances of {$1300.00} and {$1900.00} respectively. No supporting documentation, including a 1099-C, has been issued for either account, which violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). The continued reporting of these accounts in their current form is false, misleading, and materially harms my creditworthiness.

The failure of Experian and TransUnion to remove these accounts despite repeated disputes constitutes a violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), as neither bureau has conducted a proper reinvestigation to verify the accuracy of this information. Additionally, it violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, because the furnisher has provided unverifiable information, and these accounts should not appear on my reports in any form. The ongoing reporting of these balances and charge-off statuses creates a false impression of my payment history and negatively impacts my ability to obtain credit under fair and accurate terms. 
I have repeatedly disputed these accounts and provided documentation demonstrating that the information is inaccurate, yet both Experian and TransUnion have failed to remove them. This demonstrates a pattern of negligence in maintaining maximum possible accuracy in my credit reporting. The continued presence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports is causing tangible harm, misrepresenting my financial responsibility, and impacting my creditworthiness in a way that is both unfair and unlawful.

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 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Consumer Financial Protection Bureau, The debt collection agencies XXXX XXXX XXXX and Hunter Warfield are reporting collection accounts on my credit report. 
In my first letter to the debt XXXX on XX/XX/XXXX I asked for proper validation of the debt requesting my contract with them that bears my signature that will indicate I owe a debt obligation to them, a payment history and proof of debt assignment that shows how and when this purchase/assignment was made. 
Hunter Warfield and XXXX XXXX XXXX both responded by sending me a copy of my original contract that I have with my original creditor. 
XXXX XXXX is the original creditor for Hunter Warfield who sold this account to them and did not provide me with a debt assignment letter. 
XXXX XXXX is the original creditor for XXXX XXXX XXXX who sold this account to them but provided me with a debt assignment letter that it was sold on XX/XX/XXXX. 
I stated in my letter to them that any negative remarks on my credit report from their company for a debt that I do not owe to them is a violation of the FCRA and FDCPA. 
A collection is a debt bought by a third party who attempts to collect from a debtor who doesn't understand they do not have a contracted obligation to pay the third party company. 
They are not able to prove I have a debt obligation to them yet they will not remove this information and have not responded since my second letter. 
I haven't received any response from either company since my last letter to them XX/XX/XXXXXXXX XXXX XXXX XXXX Hunter Warfield XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This complaint is necessary at this point, I am requesting a investigation into this matter from the CFPB. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
XXXX was sent claiming we owe an allege debt. With language stating they are a debt collector business. XX/XX/year> debt was disputed and not marked as disputed on credit report. First notice sent certified mail with XXXX XXXX  return receipt to cease and desist all communications XX/XX/year>. XX/XX/year> another communications letter sent from debt collector. Claiming inaccurate information on an alleged debt we owe. Violating the XXXX XXXX XXXXXX/XX/year> we send out second notice to cease all communications certified mail with green card return receipt if you continue to violate 15 USC 1692c ( c ). In or around XXXX XXXX Formal demand for full accounting and transactional history certified mail with XXXX  XXXX return receipt.

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