vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: MA

Complaint narrative:
DEAR ABSOLUTE RESOLUTIONS : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act. 

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 non-monetary relief
Consumer complaint received 2025-11-17 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: WV

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act.

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there.

As a consumer, I am exercising my legal right under federal law to demand that this inaccurate tradeline be removed in full. If you can not ensure that every detail balance, status, dates, payment history, and ownership is correct and fully substantiated, then it must be deleted. Reporting anything less than 100 % accurate information is a direct violation of your obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: KY

Complaint narrative:
I contacted Discover using XXXX at XXXX XXXX. When the automated system came on I requested Hardship Department. An individual with ID XXXX answered she said I had a deliquent payments and could not quality and before I could speak transferred me to a gentleman with ID number XXXX. 
I am filing a complaint regarding Discover 's refusal to provide access to a hardship/long-term repayment program, refusal to escalate my call to a supervisor, and refusal to read back account notes documenting the denial of escalation. 
I contacted Discover multiple times requesting a hardship program or closed-account repayment plan due to financial difficulty. Discover offered only a XXXX plan at XXXX XXXX APR, which is not a genuine hardship option and is significantly higher than what most issuers provide during documented financial distress. 
I repeatedly asked for escalation to a supervisor or the XXXX XXXX XXXX XXXX I was denied escalation XXXX times, and on the most recent call, the representative stated several times that the supervisors were " busy '' and refused to place me in the supervisor queue. 
When I made a formal request under CFPB escalation guidelines, the representative refused again. When I asked the representative to read back the account note stating they were refusing escalation ( which I have a right to verify ), they refused to do that as well. 
This has left me with no access to Discover 's hardship program and no ability to escalate to someone with authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am writing to dispute certain items on my TransUnion credit report, which I believe contain inaccuracies. Below is a list of the disputed accounts : [ Charged Off Accounts ] XXXXXXXX XXXX, XXXX, XX/XX/XXXX, {$5500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$440.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} [ Inquiries ] XXXX XXXX, XX/XX/XXXX [ Late Payments ] 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 2025-11-17 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: GA

Complaint narrative:
Failure to Remove Unverified Bankruptcy Notation by All Three Major Credit Bureaus ( Equifax, TransUnion, Experian ) Date : XX/XX/year> CFPB Complaint Case Number : XXXX ( original complaint for Equifax ) Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this complaint against all three national credit reporting agenciesEquifax, TransUnion, and Experianregarding their failure to remove an unverified and inaccurate bankruptcy notation from my credit report. 

Background : On XX/XX/year>, I submitted formal disputes and supporting documentation to all three agencies, requesting a reinvestigation and removal of a bankruptcy public record that remains listed inaccurately. As of today 's date, more than 45 days have passed with no valid verification provided and no removal of the tradelines, in direct violation of : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) XXXX reinvestigation requirement FCRA 1681i ( a ) ( 5 ) ( A ) Obligation to delete disputed information if unverifiable FCRA 1681e ( b ) Duty to maintain maximum possible accuracy I have not received a copy of any verified bankruptcy record signed by a court or trustee. None of the agencies has produced legal proof of accuracy. 

XXXX Final Demand Notices Sent : I submitted XXXX demand letters to each bureau via their portals and/or certified mail, demanding final removal in light of their noncompliance. I am attaching all three demand letters to this complaint. 

Harms : Due to this unresolved issue : I was denied employment at a financial institution. 

I am experiencing ongoing credit harm, including denials and high interest rates. 

My rights as a consumer under the FCRA are being actively ignored by all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I had a charge off in XXXX  because I had my identity stolen by a live-in fianc. She stole several of my accounts and it was during the time that she had me arrested and I was in jail. It was reported to the companies once I got out of jail, and the accounts were closed. The account is now reopened without my permission and was supposedly sold to a credit collection company. They are reporting false information and half of the information is not reported correctly, and there are months that they didnt report anything at all, even though they shouldnt be reporting to the credit bureaus. I would like these removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TN

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TN

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 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: IL

Complaint narrative:
I am writing to file a dispute regarding the following accounts on my credit report. These accounts are inaccurately reported and I request a thorough investigation and appropriate resolution. 


Charged Off Accounts : XXXX  XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$26000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my third formal notice concerning inaccurate and outdated personal information being reported on my consumer credit report. Despite my XXXX previous requests for correction, the erroneous entries remain, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, obsolete addresses continue to appear on my report. These entries are no longer valid and are negatively affecting my financial standing. The continued reporting of this information serves no legitimate purpose and must be corrected immediately. 
Addresses to be Removed : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation within XXXX  days. I have provided sufficient evidence showing that these addresses are outdated and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EXPERIAN ] to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-11-17 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:
Dear Sir/Madam, I am writing to formally dispute the following accounts that are inaccurately reported on my Experian credit report. These accounts are listed with incorrect statuses, including charge-offs, and do not reflect accurate information. I request a detailed investigation into these accounts and prompt correction or removal from my report. 

CHARGED OFF Account Name : XXXX XXXXXXXX XXXX Account Number : N/A Date Opened : XX/XX/24 Balance : N/A Dispute Reason : This account is listed as charged off but does not reflect the correct payment status. I ask for verification of the charge-off status or correction if found to be inaccurate. 

Account Name : XXXX XXXX  XXXX Account Number : N/A Date Opened : XX/XX/24

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 2025-11-17 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX of XXXX  I reached out to Chase Mortgage to let them know I was having a hard time making my mortgage payment and to discuss my options. They presented several options to me and I ultimately decided on a loan deferment because I was assured it would not negatively effect my credit report. I was asked to complete the same application XXXX times because they claimed there was missing information or they had questions. Because of that delay they apparently claimed that I had a XXXX  day and a XXXX  day late payment. XXXX, the deferment application was approved the end of XXXX, so there should never have been a XXXX  day report. I have no idea where they are getting the idea that there was even a XXXX  day late report. I have tried to get Chase to correct their mistake, even taking it up to the executive office, but they continue to say they have " no proof '' that I was assured no reporting to my credit. They don't have the approved document on their online account where my other statements are, I asked if I could have a transcript of the call they allegedly listened to and was told no. They lose absolutely nothing by correcting their mistake and removing the incorrect late reports, yet refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PayTomorrow, LLC
State: SC

Complaint narrative:
The company continues to attempt to collect payments for a product I do not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-17 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 writing to formally dispute multiple items on my credit report that I believe to be inaccurately reported or improperly classified by the credit bureaus. Below are the details of the accounts that I am disputing, separated by each credit bureau for your review and action. 


CHARGED OFF ACCOUNTS : XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$230.00} XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$500.00} XXXX XXXXXXXX Account Number : XXXX  Date : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1900.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$19000.00} INQUIRIES : XXXX Date : XX/XX/XXXX LATE PAYMENTS : XXXX Account Number : 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