vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: UT

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian Information Solutions Inc . Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 1 ) 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, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian Information Solutions Inc. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
The companys response is not adequate and does not resolve my complaint. First, I am disputing this account because it is not mine. I have no record of owing a debt to XXXX XXXX or any related entity, and Zions Debt Holdings has not provided any documentation proving that I am the correct consumer associated with this account. 

This is myXX/XX/XXXX attempt to get this matter resolved. I previously disputed this account, yet Zions Debt Holdings still has not provided any validation, original documentation, or proof that the debt belongs to me. Instead, their response only included a settlement offer and a promise to delete the account if I paythis does not constitute validation or proof of accuracy. 

A settlement offer is not evidence that the debt is mine. It also does not satisfy my request for verification. My complaint specifically requested : Proof that I am the correct consumer Original creditor records A full chain of assignment Itemized billing statements A breakdown showing how the balance was calculated Documentation showing the account is accurate and legally collectible None of this was provided. They simply stated they purchased the account and offered a reduced payment if I settle. This does not correct the inaccurate reporting or verify that the debt is valid. 

Additionally, the company did not provide : Any proof of ownership Any original documentation from the creditor Any supporting paperwork showing authorization to report the account Any validation prior to the credit reporting Because Zions Debt Holdings has not proven that the account is valid, has not shown that it belongs to me, and has not provided evidence after XXXX attempts, I consider their response incomplete and unsatisfactory. I request further review, as this account is not mine and has not been validated in any way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
It has come to my attention that the credit bureau are supplying some information on my consumer profile that are not accurate which violated the fair credit reporting law, I will implore the parties involved to kindly remove this unauthorized data from my consumer report as soon as possible to strengthen the fairness and stand of the bureaus itself.FCRA violation is not acceptable in any manner, kindly remove the following data affected. 

XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-21 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:
It has come to my attention that the credit bureau are supplying some information on my consumer profile that are not accurate which violated the fair credit reporting law, I will implore the parties involved to kindly remove this unauthorized data from my consumer report as soon as possible to strengthen the fairness and stand of the bureaus itself.FCRA violation is not acceptable in any manner, kindly remove the following data affected. 

XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXX  ( EQ ), XXXX  ( EX ), and TransUnion ( TU ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$350.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$460.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX  XXXX Date : XX/XX/XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXXXXXX XXXX XXXXC, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX  XXXX  XXXX, Account Number XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2025-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account reporting on my credit report is not mine and it was REINSERTED onto my credit report. I WAS NOT notified in writing within XXXX business days of the reinsertion. I have no knowledge of the debt and never signed a written contract agreeing to do business with CXXXX XXXX XXXX XXXXXXXX AND XXXXXXXX XXXX  XXXX. I RECENTLY WENT TO FILE A POLICE REPORT PER MY ATTORNEY TO PROVE THIS IS NOT MY ACCOUNT I am REVOKING all their rights to communicate with me via email, texts, or calls. They did not send me written documentation informing me of proof that this account is mine within XXXX  days of reinserting the account on my credit. Failure to comply with the FCRA can result in lawsuits for actual damages, attorney 's fees, and even punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX TX XXXX\nEquifax Information Services, LLC\nP.O. Box 740256\nAtlanta, GA 30374-0256\nSubject: Follow-Up Request to Block and Delete Fraudulent Accounts  Identity Theft\nVictim\nDear Equifax Consumer Services,\nI am following up on my previous correspondence regarding the blocking and deletion of\nfraudulent accounts and information related to my identity under the Fair Credit Reporting\nAct (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft\nbecause of the Equifax data breach, and unauthorized accounts have been fraudulently\nopened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nI request that Equifax promptly block and delete the fraudulent accounts from my credit file to\nprevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as\nan updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact\nme immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring\nmy credit report remains accurate and free from fraudulent activity.\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent my daughter money XXXX through cash app not knowing she closed her account. Cash app will not return my money. They said my daughter has to decline payment, but she cant get into a close account. Cash app declined payment but never gave me my money back. They said they cant. I have been fighting with them for weeks with no real answers. I am not even sure how I could even send to a close account. I have a dispute in with XXXX but still waiting on resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am filing a complaint regarding Chases credit-card online-access system and the failure of customer service to provide any meaningful assistance after multiple attempts. 

My husband and I are joint users of multiple Chase credit-card accounts. Because Chase allows only the primary cardholder to have their own login and does not allow authorized users to create separate login credentials, I must log in using my husbands credentials to complete our daily reconciling and bill-payment tasks. 

The problem is that Chase blocks simultaneous access. When I am logged in on my computer, Chases system prevents my husband from logging in on his computer. The system treats this as a duplicate session, locks the account, and he has been forced multiple times to call customer service just to regain access.

This means that only one of us can access the account at a time, which is ridiculous for a household that manages finances jointly, as many married couples do. The notion that one spouse must ask the other to log out so I can log in is not practical or acceptable in todays digital banking environment. 

This is also not industry standard. A quick search showed me that XXXX XXXX, XXXX XXXX, and other institutions allow simultaneous logins or separate user logins without conflict and provide modern account-access solutions for authorized users. 
I contacted Chase customer service to try to find a solution to this issue and was transferred four times. All of the representatives insisted, there is nothing we can do, and offered no legitimate escalation path or resources to raise this concern beyond reading scripted policy statements. It seems reasonable that the primary cardholder should be able to authorize online access for an authorized user, particularly within a married household.

The final supervisor I spoke with ( XXXX XXXX was especially rude and unprofessional. She repeatedly interrupted me, restated policy without listening, and showed no interest in understanding the issue from a customer-experience perspective. 

I am requesting that Chase : Acknowledge this issue and explain why they refuse to offer separate online access for primary and authorized users. 
Provide a path forward or technical solution that does not block simultaneous access. 
Address the poor customer-service experience and the refusal to provide a pathway for me to escalate my concerns about this outdated policy.

This issue has now risen to the point where Chase may lose our business entirely ( we have three Chase cards and excellent credit ). The representatives I spoke with expressed no concern about retaining our accounts, which was both surprising and disappointing.

I am requesting regulatory assistance in obtaining a response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Disputed Insurance Overpayment Sent to Collections Without Proper Validation I am filing a complaint regarding a debt that a collection agency is attempting to collect on behalf of XXXX. This debt is fully disputed, and the collection agency has failed to provide proper validation. 
Background : In XX/XX/year>, XXXX issued me a payment related to an auto claim. They informed me that they would handle the payment to my lienholder. Later, they deposited an additional {$13000.00} into my account. I believed this was part of the settlement, as they told me they were taking care of the lienholder directly. 
Months later ( XXXX 2025 ),, XXXX contacted XXXX and stated that they had overpaid me and wanted the money returned. This was the first time they mentioned any error. Their own representatives admitted this was a mistake on XXXX behalf. 
XXXX sent to collections : Despite this being entirely an internal error by XXXX, they placed the alleged overpayment with a collection agency. I disputed the debt in writing, and the collection agency confirmed they received my dispute, but they never provided any validation, documentation, or investigation results. They continue to request payment anyway. 
This violates the Fair Debt Collection Practices Act ( FDCPA ) because : They did not properly validate the debt after my written dispute They continued collection efforts without resolving the dispute They are attempting to collect a debt that originates from an insurance companys admitted administrative error XXXX waited several months before even notifying me of the alleged overpayment XXXX has documentation showing they made an error and did not inform me for months. I am requesting : A full investigation into the legitimacy of this alleged debt Validation of the debt from the collection agency A review of whether this debt should have been sent to collections at all A pause on all collection activity while the debt is under dispute Removal of the debt if it is determined to be invalid due to XXXX administrative mistake I live in Florida, and I have already filed a complaint with the Florida Department of Financial Services for the insurance portion of the issue. This CFPB complaint is specifically about the collection practices and the mishandling of my dispute letter.

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: DC

Complaint narrative:
Equifax is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Closed - 6 late payments

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
Lead Bank is reporting inaccurate account information on my credit report. The dates, payment history, and monthly reporting codes do not match the actual history of the account. I disputed this through the credit bureau, but the information was not corrected. I am requesting that Lead Bank provide verification of the reporting or correct/delete all inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation