vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: CT

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 Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$800.00} Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$230.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$14000.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$970.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1100.00} Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$690.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
The first issue I must raise involves several charge-offs that continue to appear on my report. These accounts are being reported as outstanding debts above {$600.00}, yet I have never received a 1099-C, which is required when a cancellation of debt occurs. Without this documentation, the reporting of these accounts is incomplete and violates the accuracy standards of FCRA 607 ( b ). Specifically, these include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$4700.00} and {$7200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3300.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6100.00}. * * Beyond the charge-offs, I was troubled to find collection accounts being reported in my name that I can not verify as mine. These accounts appear inaccurate and unsubstantiated, and under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, I have the right to dispute these items and request their deletion if they can not be fully verified. These collections include : XXXX XXXX XXXX with a balance of {$6200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}, and XXXX XXXX XXXX XXXX with a balance of {$3900.00}. * * In addition, I noticed that my file contains several hard inquiries that I never authorized. These inquiries were made without my knowledge or permissible purpose, and their presence violates my rights under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The inquiries in question are : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The first issue I must raise involves several charge-offs that continue to appear on my report. These accounts are being reported as outstanding debts above {$600.00}, yet I have never received a 1099-C, which is required when a cancellation of debt occurs. Without this documentation, the reporting of these accounts is incomplete and violates the accuracy standards of FCRA 607 ( b ). Specifically, these include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$4700.00} and {$7200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3300.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6100.00}. * * Beyond the charge-offs, I was troubled to find collection accounts being reported in my name that I can not verify as mine. These accounts appear inaccurate and unsubstantiated, and under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, I have the right to dispute these items and request their deletion if they can not be fully verified. These collections include : XXXX XXXX XXXX with a balance of {$6200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}, and XXXX XXXX XXXX XXXX with a balance of {$3900.00}. * * In addition, I noticed that my file contains several hard inquiries that I never authorized. These inquiries were made without my knowledge or permissible purpose, and their presence violates my rights under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The inquiries in question are : 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

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 2025-09-18 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I noticed an entry from Southwest Credit Systems LP reporting a balance of {$3400.00} on my credit report. I have never been provided with a contract, wet-ink signature, or proof of any agreement that I gave this company consent to access, use, or report my personal information. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), every item furnished to the credit bureaus must be complete, accurate, and verifiable. To date, this company has failed to supply any lawful validation, such as a signed agreement or documented proof that this debt belongs to me. Reporting unverified information is damaging my credit profile and violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
This is a second complaint against Acima that Ive had On XX/XX/XXXX, I was notified by my mother that the attorney general called her about needing to locate me to serve me a notice to appear. My mother provide a number and a reference to get more information. 

I called the number XXXX. I was advised that I was speaking to the attorney general and there were XXXX cases against me. XXXX for defrauding a company, and the XXXX  for ignoring the debt. The person I spoke stated were speaking to Acima about a debt. I was advised to pay now with my card, and to make a payment arrangement. I asked for a letter or an email detailing the debt. They said they would not provided any information and either pay or I can be sued and go to jail. I was shocked and began to feel ill after hearing. I asked for detail an email or anything to prove that they were the company. Again no information was provided as they stated I can pay or go to jail. 

I was about to give my card information, when I asked for a acknowledgment of the payment plan and was advised I would get a paid off letter only at the end of a XXXX time payment of {$170.00} and XXXX weekly payments of {$57.00}, that they would pull at their discretion. 

I was uneasy to give out my card information without any information. As I couldnt believe that a company would call my family members and tarnish my name, then deny me information about things I questioned about, then demand payment, and stated I would face legal action, and have someone come to my residence and give me paperwork. 

In the past I attempted to pay this debt, but I could not log into my account, it stated my account did not exist. Calls to the company were unhelpful stating they had no record of my account, I could not find anyway to pay this. 

After losing my job, this was the last thing I wanted to hear, that they would take me to jail and take the {$0.00} I have in my account, and call my family members embarrassing me in the lowest point of my life. 

Im willing to work with the company, but this seems extreme to call family members, stated they were with the attorney generals on behave of a private company, the demanding my information and my bank details to stop judgments and jail time from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE 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 2025-09-18 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: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-18 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: TX

Complaint narrative:
I pulled my credit report and have a lot of unidentifiable debt on it. I have tried to contact several of the companies to find out why I have these debts and explain that I was a victim of identity theft and they still will not remove the debt. I have then filed a police report and sent them copies of said report and a notarized identity theft report and they still will not remove the negative information. This has brought my credit score down and I have worked hard on my credit and would like those negative items removed. I have provided my current driver 's license with my home address since XXXX, when I got married and became XXXX XXXX, provided the correct spelling of my name.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
Complaint Regarding Inaccurate Collection Account Reporting F.H. Cann & Associates I am filing a complaint against F.H. Cann & Associates regarding the XXXX University account XXXX, which is being reported inaccurately to XXXX, XXXX, and XXXX. 

This account is in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), as the information furnished is not accurate or consistent across the three credit reporting agencies. Additionally, under FCRA 611 ( a ), I have the right to proper verification of the debt. F.H. Cann & Associates has not provided a signed contract, complete payment history, or documentation establishing my legal obligation to the alleged balance. 

Without full and proper validation, the continued reporting of this account is unlawful. As required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be deleted from my credit file. 

I am requesting the CFPB ensure that this account is either properly validated with documentation or removed immediately from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute an entry that appears on my credit report under the account name XXXX XXXX XXXX. I do not recognize this account and have not received any prior communication or documentation about it. Account XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX and again XX/XX/XXXX. I contacted the creditor associated with this account to request detailed information, including the original agreement and any records pertaining to the debt. However, I have not received a response or any supporting documentation to validate the debt. 

As per the Fair Credit Reporting Act ( FCRA ) and my rights to dispute inaccurate information, I am requesting a full investigation into this matter. This entry is inaccurate, and I respectfully request that it be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a XXXX  credit card customer for XXXX  years with a strong history of on time payments ( 98 % ). From XXXX through XX/XX/year>, I was unemployed and experienced financial hardship, during which I missed XXXX XXXX payment. XXXX  immediately closed my account, despite my otherwise excellent history. 

Since then, I have remained in good faith communication with XXXX  representatives and continued making payments. During XXXX of these calls, a XXXX representative explicitly told me that if I satisfied XXXX scheduled payments, my account would be reopened. I relied on this representation, made the payments, and later was informed by a supervisor that the account would not be reopened under any circumstances. This constitutes a deceptive and unfair practice under XXXX. 

In addition, I have encountered multiple other issues that demonstrate unfair and unreasonable treatment : Late Fee Despite Disclosure : My payment was due on the XXXX, but I had disclosed my new pay schedule for my new job ( XXXX and XXXX each month ). XXXX  drafted and posted my payment, yet still charged me a {$40.00} late fee and told me I would have to call back separately to request it be waived. XXXX  had already documented my pay schedule in its notes, so forcing me to call again for relief is unreasonable and unfair. 
My XXXX  Plans Transparency : I currently have XXXX active My XXXX  Plans ( installment arrangements ), but since my account was closed, I have lost access to view details of these plans. I believe XXXX plan ( XXXX purchase ) has already expired, and another ( XXXX bracelet ) is nearly complete. However, XXXX  continues to include these in my minimum payment without providing transparency or itemization. This lack of access and potential overcharging is unfair and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Ive been a customer for XXXX  years and Ive sent goodwill letters which I get no response from the customer company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MI

Complaint narrative:
Transunion ignored XXXX XXXX, ignored XXXX rules/law and is intentionally malingering and delaying this process.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, Chase blocked my access to my credit card account without explanation. In total, Chase has kept my credit card account blocked for about XXXX days. They restored access for only XXXX days, then immediately blocked it again for another XXXX business days. 

This issue is not connected to my credit card or account activity. It is tied to XXXX business checks that Chase is questioning. Instead of resolving the check verification process, Chase repeatedly blocks my credit card access, preventing me from making payments or managing the account. 

I asked Chase why my credit card access was blocked and how to restore it, but they have not provided clear answers. This puts both my companys credit and my personal credit at risk. 

I have also filed a police report with the XXXX Police Department ( XXXX XXXX. XXXX ) regarding Chases actions and the harm caused to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Flexible Finance, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, flex sent my full rent payment to my property XXXX XXXX XXXX XXXX XXXX XXXX of the amount XXXX, Flex withdrew my first half from my bank account XX/XX/XXXX of the amount XXXX and XX/XX/XXXX of the amount {$500.00} and service fee of XXXX. Nothing was returned to my bank account. XXXX comes around and flex emailed me stating that I had a balance with my property to take care of before they can process my XXXX payment. I called my property because it says my balance was over XXXX including late fees. I asked why aincr Flex took care of my rent so they sent me a ledger stating that the flex payment was indeed made but also reversed by flex. Flex never returned my money to my bank account, and im overdue on my XXXX rent. My property will not deal with flex directly. Flex doesnt have a customer service phone number on AI chat. I called my bank and my statement dont show any reversal on any payments made XXXX and XXXX. I just moved into this apartment XX/XX/XXXX and my first month rent and deposit was paid with XXXX XXXX Cashier check but flex is trying to say that was reversed based on my ledger but as of XX/XX/XXXX there was no balance on my account besides my XXXX rent balance. I have requested a full refund from flex as my money was never used to pay my rent and im overdue on my XXXX rent with late fees.

Company response to consumer: Closed with explanation