vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( case no. 2023-CFPB-0004 against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
I used to work for this company and realized they are fraud so i quit next thing i know i was charge for a amount that i did not about and when i confronted them about it they never sending any documents or proof of me owning that amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently had a credit card charged off back in XXXX of this year and every month from XXXX until now that account has continuously been marked as charged off when that is illegal. This is hurting my ability to get credit due to these inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Someone impersonated my friend on XXXX and sent a link to me requesting a small amount of money and I clicked on it. It opened the XXXX XXXX  app with a pop-up that said authorize, I clicked on it thinking it was just to log into the app but suddenly there were XXXX Zelle transactions on my account. XXXX for {$500.00}, XXXX for {$130.00}, and XXXX for {$240.00}. All of these transactions happened in quick succession, they were all sent to seemingly different and random people, I did not enter any identifying information for these into Zelle. I did not enter any names, phone numbers, or email addresses or anything. I only clicked a link. I believe the person gained access to my bank account and made these transactions without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
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. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 if the person knows or has reasonable cause to believe that the account belongs to me.

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 2025-06-01 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:
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. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 if the person knows or has reasonable cause to believe that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I am writing to formally file a complaint and request your assistance regarding a charged-off account being reported on my credit file. I believe this account are reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and possibly other applicable laws.

The accounts in question are negatively impacting my credit profile and are being reported by the following creditors : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Charge-Off Date : XX/XX/year> Dispute Basis : 1. Incomplete/Unverifiable Information : Under 15 U.S. Code 1681i, I have the right to dispute information I believe is inaccurate, incomplete, or can not be verified. The creditors have failed to provide verifiable evidence that these accounts are being reported accurately and in compliance with federal law.

2. Failure to Validate Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), if these debts were ever placed with a third-party collector, I am entitled to a proper debt validation. I have not received sufficient documentation validating these accounts. 
XXXX. Continued Reporting Without Proper Investigation : If a consumer disputes an item on a credit report, the credit reporting agencies and furnishers are required to conduct a reasonable investigation. I believe that has not occurred. Continuing to report information without verification is a violation of FCRA 1681s-2 ( b ).

4. Potential Re-aging of Debt : If any of the dates of last activity have been manipulated to extend the reporting period beyond the 7-year limit allowed under 605 ( a ) of the FCRA, this constitutes re-aging, which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: AR

Complaint narrative:
I submitted a written dispute to Experian regarding several inaccurate and unverifiable accounts on my credit report. These include accounts from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The accounts contain discrepancies such as reporting by debt buyers without original creditor validation, outdated delinquency entries, and materially incorrect balance data. Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate these items and remove or correct them if they can not be verified. I have attached my full dispute letter, which outlines the specific violations under 1681e ( b ) and 1681i, and I request the CFPB assist in ensuring proper handling and response from Experian.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I submitted a written dispute to Experian regarding several inaccurate and unverifiable accounts on my credit report. These include accounts from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The accounts contain discrepancies such as reporting by debt buyers without original creditor validation, outdated delinquency entries, and materially incorrect balance data. Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate these items and remove or correct them if they can not be verified. I have attached my full dispute letter, which outlines the specific violations under 1681e ( b ) and 1681i, and I request the CFPB assist in ensuring proper handling and response from Experian.

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 2025-06-01 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: AR

Complaint narrative:
I submitted a written dispute to Experian regarding several inaccurate and unverifiable accounts on my credit report. These include accounts from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The accounts contain discrepancies such as reporting by debt buyers without original creditor validation, outdated delinquency entries, and materially incorrect balance data. Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate these items and remove or correct them if they can not be verified. I have attached my full dispute letter, which outlines the specific violations under 1681e ( b ) and 1681i, and I request the CFPB assist in ensuring proper handling and response from Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX restricted Personal checking account XXXX XX/XX/year> and this has my payroll payments and no way to get the payments out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
XXXX XXXX : XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agencies and Equifax, and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts such as these : Account Name : XXXX XXXX XXXX  : XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Amount Owed {$750.00} ), XXXX XXXX XXXX XXXX : Account Number- XXXX ( Date Opened XXXX, XXXX, XXXX, Amount Owed {$460.00} ), XXXX  XXXX : Original Creditor XXXX XXXX : Account Number-XXXX : Opened XX/XX/XXXX, Amount Owed {$7400.00} ), XXXX XXXX : Account Number XXXX ( Date Opened XXXX, XXXX, XXXX, Amount Owed {$3900.00} ), Credit Inquiry XXXX XXXX on XX/XX/XXXX, Addresses are that are incorrect is XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX TX, and XXXX XXXX XXXX, XXXX XXXX TX XXXX . Incorrect Jobs such as XXXX XXXX XXXX XXXX and XXXX XXXX. These accounts have resulted in several collections appearing on my consumer FICO credit report. The aforementioned accounts, collections appearing on my credit report maintained byn you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, addresses are a result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complain # XXXX case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 2025-06-01 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: SC

Complaint narrative:
I am a victim of identity theft. On or around XX/XX/XXXX, I noticed a suspicious inquiry and account from XXXX XXXX on my credit report. I never opened or authorized an account with XXXX XXXX, nor did I request service at any address under my name. 

As soon as I discovered this, I filed an identity theft report with the Federal Trade Commission ( FTC ) and also reported the matter to Officer XXXX with the XXXX XXXX Police Department. I am currently awaiting follow-up from Officer XXXX. 

This fraudulent XXXX XXXX account has since been sent to collections, and it is now damaging my credit. I have attempted to dispute the account but the issue remains unresolved.

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 2025-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC
State: OK

Complaint narrative:
At the time of signing, I was under the clear impression that I was financing the vehicle, not entering a lease agreement. I was never adequately informed that I would not own the vehicle at the end of the term. 

Per the original lease, I fulfilled my obligations as required. There was no clause in the lease authorizing an automatic renewal, and I never consented to any extension beyond the original term. When the lease expired, I was wrongfully told I owed over {$3400.00} and was pressured into signing a new agreement that I did not fully understand, under the impression I had no choice. 

Furthermore, I have since learned that the original dealership, American Car Center XXXX XXXX XXXX XXXX ), filed for bankruptcy. At no point was I formally notified of this transition or informed that my account would be assumed by another entity. I was not given a clear opportunity to return the vehicle or exercise the purchase option outlined in the original lease. Instead, I was misled into continuing payments under terms I did not knowingly accept, possibly with a company I never contracted with. 

This constitutes deceptive business conduct and a potential violation of Georgia consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX XXXX XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX XXXXnd Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-06-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-06-02 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation