vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed. The. XXXX. XXXX  account is inacurate

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 2025-06-12 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 noticed. The. XXXX. XXXX  account is inacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-12 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I established services with XXXXXXXX XXXX on XX/XX/year> and opened an account with Concora credit card company to help pay. I paid XXXXXXXX XXXX {$500.00} and then was charged {$4000.00} by Concora. I cancelled the account due to lack of follow through and nothing moving forward with the case. I was being charged $ XXXX month by Concora and made the payment in XXXX but canceled the services with XXXX on XX/XX/year> and they refunded me {$450.00} and I was told I would be refunded {$500.00} by Concora which never made sense because I should have only been refunded for the {$200.00} payment made in XXXX. I called Concora multiple times and was told my refund was coming to the account that I used to pay with. The date came and went in XXXX and I continued to call and then was told a different story. I was told that I had a balance and needed to pay and this had to be taken up with XXXX XXXX. Called them several times and was told I would hear from someone. So, a dispute was filed with Concora and they refunded my account on XX/XX/year> for {$500.00} and then {$1100.00} on XX/XX/year>. I was told the {$500.00} would be refunded to me directly. Also not sure why there was another refund because all services were cancelled and should not have a balance but I do- {$2400.00}. They sent me a document showing that I established services with them and that I must pay the balance but it does not show that I cancelled services with XXXX XXXX. Contacted XXXX XXXX on XX/XX/year> after receiving the document in my mail from Concora and sent them an email regarding I owe nothing. They do not get back in touch with me even though when I have called they say someone will be in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a 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 will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I spoke to Chase bank multiple times attempting to find out where my paycheck was to avoid fees alongside with refunds for previous fees. I spoke to XXXX and XXXX this last time regarding over 12 overdraft fees totaling over a span of a week and XXXX. Chase has constantly charged me an obsessive amount of overdraft fees over the last few months and has bounced my paychecks leading to multiple days at a time of not being paid and bills coming out of my account. I have spoken to them multiple times to not allow them and to inform them I am a XXXX XXXXXXXX to be waived of those basics and each time they have give little to no help regarding my balance or paychecks.

This has spanned over THREE separate bank accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I am a victim of identity theft I followed all protocols and submitted all of my documents to the credit bureaus and the accounts were removed from my credit file in XX/XX/year>. Those exact accounts are now reappearing on my credit file and the credit bureaus have not resolved this issue. There are collection account being reported on my credit file as well that are not mine. 

The following accounts are a result of identity theft and should not be reporting on my credit file. 

1. XXXX XXXX Account number XXXX 2XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 any 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 of 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 2025-06-12 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:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
XXXX XXXX is erroneously reporting the ( 2 ) accounts listed below on my Experian and Trans Union credit report with erroneous late payments in violation of FCRA 623 ( a ) ( 7 ) that outlines a FINANCIAL INSTITUTION such as XXXX XXXX must send written notification to consumers ( ME ) when they furnish or have furnished NEGATIVE information i.e. Late Payments or any other form of default to the credit reporting agencies.

I want the ( 5 ) Late payments listed below to be REMOVED/DELETED immediately from both accounts. 
XXXX XXXX XXXX XXXX. 
XX/XX/year> 30 Days Late XX/XX/year> 60 Days Late XX/XX/year> 90 Days Late XXXX XXXX XXXX XXXXXXXX. 
XX/XX/year> 30 Days Late XX/XX/year> 60 Days Late I never received any written notification from XXXX XXXX and all of these 5 late payments be removed immediately.

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 2025-06-12 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: AZ

Complaint narrative:
Equifax is currently reporting XXXX charge-off accounts from XXXX XXXX XXXX XXXX on my credit file that I dispute as inaccurate, outdated, and materially misleading. The first is an account listed as XXXX XXXX ( Account XXXX XXXX XXXX ), dated XX/XX/XXXX, with a balance of {$7800.00}. This account was recently reinstated by the creditor, which directly contradicts its current classification as a charge-off. The second is reported as XXXX XXXX XXXX ( same account number ), dated XX/XX/XXXX, showing a charge-off with a balance of {$750.00}. 

The reporting of these XXXX accounts is deeply problematic and reflects a failure by Equifax to maintain accurate and verifiable consumer information, as required by federal law. The first account, listed with a large balance, was reinstated by the creditormeaning the original charge-off status no longer applies. Reinstatement implies that the account has been reactivated for payment or resolution, which nullifies the legitimacy of reporting it as a charge-off. If the creditor no longer considers the debt permanently uncollectible, then Equifax has no lawful basis to continue publishing it in that status. 

The second account, reportedly opened earlier with a {$750.00} balance, appears duplicative, inconsistently labeled, and outdated. Equifax lists both under the same account number with differing open dates and amounts, suggesting a possible reporting error or improper duplication. This redundancy raises significant red flags regarding the integrity of Equifaxs data matching and furnisher validation practices.

These reporting practices are in direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy in consumer reporting. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a timely and reasonable reinvestigation of disputed items. When items are outdated, unverifiable, misleading, or contradictoryas is the case herethey must be corrected or deleted pursuant to 1681i ( a ) ( 5 ). 

No original documentation has been provided to justify the continued classification of either of these accounts as valid charge-offs. In the case of the reinstated account, any continued reporting as charged off is categorically false and deeply damaging to my financial reputation. The second account, with conflicting information, only adds to the confusion and misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prohealth Care, Inc
State: WI

Complaint narrative:
I have been disputing with XXXX XXXX to have these medical bills from state collections removed. They are hurting my score and with my medical necessities I have made payment to the company but not enough. Therefore, I am still showing them on my credit

Company response to consumer: Untimely response
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CT

Complaint narrative:
I received a notification that a debt collection has been passed to AMSHER COLLECTION SERV for a {$230.00} charge from a XXXX  account. However, I have never had a XXXX account so the debt can not be mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  Account Number XXXX  Balance : {$160.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$710.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Account Number XXXX Balance : {$410.00} Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Balance : {$40.00} Open Date XX/XX/XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX  Account number XXXX Balance {$3900.00} Open Date XX/XX/XXXX XXXX  Account number XXXX Balance {$2500.00} Open Date XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$340.00} Open Date XX/XX/XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Following receipt of civil summons from SpringOaks, I exercised statutory rights under 15 USC 1692g ( b ) requesting debt verification within the 30-day validation period. I explicitly stated that absent proper verification documentation, creditor must : ( 1 ) Delete tradeline from XXXX XXXX and XXXX credit files per FCRA 623 ( a ) ( 1 ) ( A ), and ( 2 ) Cease collection communications pursuant to FDCPA 805 ( c ). Creditor 's continued reporting without validation constitutes FDCPA and FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. DPT EDXXXX 2. DPT EDXXXX 3. DEPTEDXXXX 4. DPT ED/XXXX 5. DPT EDXXXX 6. DPT EDXXXX 7. DEPTEDXXXX 8. DPT EDXXXX 9. 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