vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this formal complaint against several furnishers and credit reporting agencies for reporting inaccurate, unverified, and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and other applicable consumer protection laws.

Despite my prior disputes, the following accounts are still being reported with errors, incomplete data, or unverifiable negative remarks that are damaging my creditworthiness : XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | High Credit : {$35000.00} | Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | High Credit : {$1600.00} | Reported as XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | High Credit : {$330.00} | Reported as Late Payment XXXX  XXXX Acct # XXXX Date Opened : XX/XX/XXXX | High Credit : {$2200.00} | Reported as Charge Off XXXX XXXX  Acct # XXXX Date Opened : XX/XX/XXXX | High Credit : {$2800.00} | Reported as Charge Off XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | High Credit : {$8000.00} | Reported as Charge Off XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | High Credit : {$2300.00} | Reported as Late Payment XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | High Credit : {$300.00} | Reported as Charge Off XXXX Acct # XXXX Date Opened : XX/XX/XXXX | High Credit : {$4500.00} | Reported as Charge Off Grounds for Complaint : These accounts are being reported without proper verification or documentation. 

Several entries are duplicated, outdated, or inaccurately marked as charge-off or late payment in violation of FCRA 1681e ( b ) which requires maximum possible accuracy.

Credit bureaus have failed to conduct reasonable investigations after disputes, violating FCRA 1681i.

Continued reporting of unverifiable derogatory accounts constitutes furnishing false or misleading information under FCRA 623 ( a ) ( 1 ) ( A ).

Harm Caused : Due to these unlawful reporting practices, I am experiencing : Denial of credit opportunities. 

Negative impact on employment and housing applications. 

Severe financial and reputational harm. 

Requested Relief : I respectfully request the CFPB to : Investigate the above-listed furnishers and credit reporting agencies. 

Compel the immediate deletion of all inaccurate, unverifiable, and misleading accounts from my credit reports. 

Require the furnishers to provide full documentation of alleged debts ; otherwise, these tradelines must be permanently removed. 

Ensure compliance with FCRA and impose penalties or corrective action where appropriate.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I advised the company I had never entered into a business agreement with them and I do not owe them any money. I advised for this to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Despite my repeated requests, XXXX XXXX XXXX has not provided the required documentation to validate these alleged debts. Reporting unverified information violates the Fair Credit Reporting Act. Therefore, I insist that these accounts be removed from my credit bureau 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
I have already submitted a complaint under XXXX. 

Discover continues to say that they do not see any documents or documented areas of fraud transactions claims that I submitted. 

This was 100 % submitted, but who ever I spoke with in 2023 did not document properly, and Discovery fails to acknowledge this and keeps avoiding my questions of if they listened to every call internally- if so, I want proof of this.

Again, this has ruined my credit and I want this removed. Based off of what I was told when my card was active and when I filed the fraud transactions claim - I DID NOT HAVE TO DO ANYTHING INCLUDING PAYMENT. My card was active during this time. Due to me following your instructions- you have charged me off. You continued even after charge off to have me go through the fraud transactions process. Discover had me going around in circles and spending almost XXXX $ in paperwork. 


I WANT THIS REMOVED FROM MY CREDIT DUE TO THE MISLEADING AND DESTRUCTION OF MY CREDIT REPORT DUE TO YOUR MISLEADING. THIS IS NOT ACCURATE AT ALL, AND THE FACT DISCOVER CONTINUES TO SAY THIS IS ACCURATE ( AND IT IS DOCUMENTED ) I WANT THAT INVESTIGATED AS WELL IN ITS ENTIRETY. 

Provide proof here and a list of all calls so that you listened to. 

If needed let me know if list of calls need to be reviewed via CFPB. 

I do not believe all of my calls were listened to - if they were, Discover would acknowledge this if they were an honest company. If Discover comes back again saying this is accurate when I know I submitted fraud transactions when my card was active and was mislead by their representative telling me to do nothing until I have a resolution- which I called back only to discover I was charged off - THEN I WANT THE CFPB TO HOP IN AND INVESTIGATE THIS THEMSELVES. CFPB PLEASE CALL ME AT XXXX TO DISCUSS. DISCOVER WAS ALSO VERY RUDE THROUGHOUT THIS PROCESS TELLING ME EACH TIME I FILED FRUAD TRANSACTIONS, SINCE THEY KEPT EUNNING ME AROUND IN CIRCLES, THAT I did not file anything.

Please reach out to me for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EGL US, LLC
State: TX

Complaint narrative:
On XX/XX/scrub> 2025 a letter was sent to the company advising I do not have a debt, did not enter a debt with this company or ever sign a contract entering in a business relationship with this company and for them to immediately remove from my report. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase Bank billing harassment me. They called me almost every day asked to pay them {$1300.00} or half of that {$690.00}. Their phone ( XXXX ) XXXX. ( XXXX ) XXXX. ( XXXX ) XXXX. ( XXXX ) XXXX. Call me again, again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: NH

Complaint narrative:
I deposited funds into my Crypto.com exchange account to trade digital assets, but the company repeatedly blocked my investment functionality and later locked my account. My funds remain unavailable and I can not withdraw them to my own wallet or bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Re : CFPB Case Number : XXXX To Whom It May Concern, I am writing to formally dispute Ally Banks response dated XX/XX/XXXX. 

This account is fraudulent. I never entered into a Motor Vehicle Retail Installment Sales Contract with Uptown Imports in XXXX, Texas on XX/XX/XXXX. I have never lived in Texas, and I have never purchased, financed, or possessed a XXXX XXXX XXXX XXXX The signature on the alleged contract is not mine, and I did not authorize anyone to sign on my behalf. 

I am a victim of identity theft. Ally Bank is reporting an account that does not belong to me, and their records are based on fraudulent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MD

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-02 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: CA

Complaint narrative:
I am formally disputing inaccurate information on my credit report. These entries are incorrect and are causing measurable harm to my credit and finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX : Problem : Direct Express will not release my SSA Funds I am currently facing a serious issue with my Direct Express card. After filing a dispute that was denied, I received my new Direct Express replacement card, but the customer service department refuses to activate it. My Social Security funds, amounting to {$1100.00}, were sent to them, yet they still will not activate my card. 

Their customer service and fraud division has claimed that I did not submit my ID verification. However, I have sent it to them three times. And now they are saying that it is under review. When I contacted them again tonight, a representative told me that if I didnt like their rules, I should open a checking account at a bank. This response felt dismissive, and I informed him that I had already visited the Social Security Office in XXXXXXXX XXXX to address my concerns. 

I have been trying to resolve this issue since XX/XX/year>, without success. I would greatly appreciate your advice on the available recourse in this matter. I need help. I am XXXX XXXX XXXX and feel that the company handling my funds is not taking me seriously. I hold a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I am not easily fooled. 

I would appreciate any assistance that you can give me to help resolve this matter. I have no other income, and this is the XXXX of XXXX, and I still need to pay my rent. 

If you need any additional documentation regarding this matter, please let me know. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The collector ( LVNV Funding LLC ) and law firm ( XXXXXXXX XXXX XXXXXXXX XXXX ) are aggressively pursuing two separate debts without providing information that can be used to validate the misuse of my name and credit information resulting from my documented identity theft. I continue to provide police reports, FBI reports and IRS reports to the collector 's attorney, XXXX XXXX XXXX XXXX by certified mail, concerning the documented identity theft that was initiated in XXXX and continued through XXXX. 

LVNV Funding LLC and XXXX and XXXX XXXX have focused their attention on me signing an affidavit they provided, for me to tell them how much of the debt I am responsible for ( on an account that I do not have knowledge of ), who else is on the account, and to provide five samples of the way I sign my name. 

I received a printout of a 2nd debt from Resurgent Capital Solutions, initiated by XXXXXXXX XXXX XXXXXXXX XXXX as a result of my initial inquiry, with a different account number than the one related to the coming XX/XX/XXXX, court date with a different XXXX  amount due, my name, and a past due amount with no itemization of the origination of the debt and none of the other information I previouslyrequested under the provisions of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis refused to properly investigate my dispute. Instead of verifying the information or deleting unverifiable data, they just mailed me another copy of my consumer disclosure report. That is not an investigation. They did not contact furnishers or provide any proof that the information in my file is accurate. They are keeping unverifiable and outdated information on my file, which is harming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I recently filed an application for the Citi XXXX XXXX credit card. I don't remember the exact date, but I got the denial letter on XX/XX/year>. It said that my application was denied because my " credit report shows insufficient credit history ''. The decision was based " in whole or in part '' on a report from XXXX. I have over a decade of credit history and have XXXX debts from any of my XXXX credit cards that I pay off multiple times throughout each month. Despite this situation, I was told the denial was for insufficient credit history. After many phone calls with automated messages that led nowhere, I was able to talk to someone from Citi who informed me that the issue I was facing had to be dealt with through XXXX. After many more phone calls that ended before I could even get to a person, I finally got in touch with a chat representative. She informed me that I needed to talk with Citi........ So I got with a chat representative from Citi, who told me I needed to call a number I had attempted to call already several times. I asked if she could forward me to someone who could help, but she could not. While the letter states that I can request information contained in my credit file, I can't seem to get a hold of anybody who can provide that because all the automated systems lead straight to ending the call without connecting me to a representative.

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