vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am reviewing my Equifax credit report and believe there are several accounts that are being reported inaccurately or may need to be verified. 

1. Charged Off Account : XXXX, Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year>, Balance : {$49000.00} I am disputing this account because it appears to be extremely old and outside the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). I am requesting that Equifax verify the accuracy and age of this account. If it can not be verified or is beyond the seven-year reporting limit, I ask that it be deleted immediately. 

2. Late Payments : XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  I am disputing the late payments being reported on these accounts. I believe some or all of these may have been reported in error. Please provide verification of the alleged late payments, including the specific months and proof from the original creditor. If you can not verify with original records, please remove the late marks from my file. 

Thank you for your help in ensuring my Equifax credit report is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 non-monetary relief
Consumer complaint received 2025-11-11 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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

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 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 am writing to formally dispute the following items on my credit report. Below are the accounts that need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ) - Account Status : Closed - Dispute Reason : The account is listed as past due XXXX days, but the payment history has been updated recently, and this might not be accurate. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) - Account Status : Indeterminate - Dispute Reason : This account is marked as Indeterminate with a balance of {$170000.00}, yet it was closed due to refinancing. Please verify the accounts status and balance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) - Account Status : Indeterminate - Dispute Reason : The balance remains as {$170000.00} and is marked as transferred to another lender. Please update the account status and adjust the balance if necessary. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) - Account Status : Open - Dispute Reason : The account shows a balance of {$24000.00} and is marked as current. 
Please verify the account 's status and payment history.

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 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: NC

Complaint narrative:
Sent the system back before the stop payment on the account sent me the wrong amount. The amount kept flip flopping.

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

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information regarding certain accounts that have been reported to the credit bureaus. Below are the accounts I believe to be incorrect, and I am requesting your assistance in investigating and correcting them. 
Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$73.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-11 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects one or more late payment ( s ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred.

The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Identity Theft and Data Breach Complaint Request for Immediate Investigation and Correction Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding identity theft and a potential data breach that has negatively impacted my credit and financial standing. My name is XXXX XXXX XXXX, and I recently discovered several accounts and inquiries on my credit reports with XXXX XXXX XXXX XXXX that I did not authorize or open. 



After reviewing my 3-Bureau Credit Report from XXXX dated XX/XX/XXXX, I identified multiple suspicious entries and inquiries, including accounts with NATLCRSYS ( XXXX XXXX XXXX  ), XXXX XXXX ( XXXX XXXX XXXX ) , and numerous recent auto finance inquiries between XX/XX/XXXX and XX/XX/XXXX. I have no knowledge or connection to these companies or accounts. 



These unauthorized accounts and inquiries are the result of identity theft, which I believe occurred following a data breach involving my personal information. I have already taken preliminary steps to protect my identity, including filing disputes with the credit bureaus, contacting creditors, and monitoring my credit activity. 



However, despite these efforts, the fraudulent information remains on my credit reports and continues to cause harm to my creditworthiness and personal reputation. 



I am requesting that the CFPB investigate this matter, ensure that all fraudulent information is removed from my credit reports, and take appropriate action against any entities that may have failed to protect my personal data or improperly reported information.

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

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported by Equifax. The following accounts and inquiries have been inaccurately reported, and I request that they be investigated and corrected accordingly. 

Charged Off Accounts : [ No charged-off accounts listed for EQ ] Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: VA

Complaint narrative:
i was in a month to month agreement with north view due to having to move out of my apartment for repairs i never signed a lease for the second unit and the property manager i spoke with about the month to month lease got let go and nothing was filed and i never received a lease i sent a XXXX day notice due to the new property manager stating that i was occupying XXXX units and tried to force me into a lease of a apartment i was only supposed to be in temporally till my unit was fixed. i received a email stating a lease was sent to me and never received a new lease

Company response to consumer: Untimely response
Consumer complaint received 2025-11-11 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: NV

Complaint narrative:
I am submitting a dispute for the following items on my TransUnion credit report. These items may be inaccurately reported or need further verification. I request that these items be reviewed in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5900.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I am filing a complaint regarding a dispute with Chase involving XXXX charges from a merchant that misrepresented the total purchase price and processed the transactions in an unauthorized manner. 

On XX/XX/year>, I was approached by sales staff at an XXXX XXXX store located in XXXX XXXX XXXX XXXX XXXX XXXX, CA ). I was told that the total cost for all XXXX skincare items would be {$250.00} plus tax. I confirmed this amount twice before providing my card. 

However, the merchant ran XXXX separate charges, totaling {$440.00}, which is a significantly higher amount than I was told and did not authorize. Additionally, the merchant name that appeared on my Chase credit card statement was XXXX XXXX, which does not match the store name or product branding and was never disclosed to me. 

After the transaction, I was taken to a back room where multiple employees attempted to pressure me into purchasing a {$12000.00} red light therapy device, saying it was today only for {$6000.00}. The environment felt intimidating, and I did not feel free to leave or decline without discomfort. 

When I disputed the charges with Chase, the merchant responded that all sales are final, and the dispute was closed. However, this is not a return request. This is a case of : Misrepresentation of price, Unauthorized transaction amount, and Merchant identity concealment, all of which are protected under the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

A merchant can not negate consumer protections simply by stating all sales are final, especially when the customer did not consent to the amount charged. 

I have provided Chase with documentation including a written statement, product identification, an evidence summary, and a letter to the mall documenting the pressure environment and merchant practices. I am requesting CFPB assistance to ensure that Chase reopens the dispute and reconsiders the charges at the senior review level in accordance with FCBA.

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

Complaint narrative:
I am writing to dispute certain items on my credit report. The following accounts are in dispute, categorized by each bureau. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2021 Balance : {$0.00} Late Payments : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX

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

Complaint narrative:
My TransUnion credit report is showing inaccurate late payments reported by XXXX XXXX ( XXXX ) for my account opened on XX/XX/year>, and reported on XX/XX/year>. TransUnion lists late payments for XXXX, XXXX, and XX/XX/year>, but I made all of my payments on time during those months. These late payment notations are incorrect and have negatively impacted my credit score. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, which require TransUnion to maintain reasonable procedures to ensure maximum possible accuracy and to conduct a proper investigation of disputed information. It also violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers such as XXXX XXXX from reporting information they know or should know 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
Call came in at XXXX central. They refused to allow for call screening to announce who was calling from a number that was not in contacts on myXX/XX/XXXX. When I called back they said that they were a financial service implying they were a bank or other financial institution. When asked if they were a debt collector to protect my privileged information from a potential scam, I was repeatedly told they were a financial service company.

Company response to consumer: Closed with explanation