vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: GA

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and their attorneys, Klima, Peters & Daly, P.A., for unlawful debt collection practices and inaccurate credit reporting. 

XXXX XXXX XXXX and XXXXXXXX XXXX have filed lawsuits against me in Virginia : XXXX ( XXXX XXXX XXXX entered XX/XX/XXXX ) XXXX ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XXXX XXXX judgment entered XX/XX/XXXX ) I dispute these alleged debts. Both XXXX and XXXX have failed to provide validation required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), including : Certified copies of judgments with the courts seal. 

Original signed contracts with the original creditors. 

Full accounting/ledgers of the alleged debts. 

Complete chain of title proving lawful transfer of the accounts. 

The alleged accounts were previously charged off by the original creditors. Despite this, both the original creditors and these debt buyers ( XXXX and XXXX ) are reporting them simultaneously. This creates duplicate and misleading entries on my credit report, which is inaccurate under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and damages my creditworthiness. 

Despite my written dispute sent to Klima, Peters & Daly, they continue collection activity without validation. I also have concerns about the unauthorized use of my Social Security Number in these collection attempts, which may violate 18 U.S.C. 1028 and 42 U.S.C. 408 ( a ) ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Complaint Regarding Withheld Business Account Funds by JPMorgan Chase Bank Complainant Information : Business Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Account Number ( last 4 digits only ) : XXXX Complaint Details Timeline of Events : I opened a business checking account with JPMorgan Chase Bank on XX/XX/year> of Account Opening. 
On XXXX, Chase Bank unexpectedly restricted/froze my account. 
I was informed that in order to release my funds, I must provide certain compliance documents, including proof of incorporation and my ITIN. 
I submitted all requested documents on XXXX through Chases secure upload system and received confirmation. 
Problem : Despite fully complying with Chase Banks requirements and providing valid documents, the bank has continued to withhold my business funds without providing a clear legal justification, written explanation, or timeline for resolution. 
Harm Suffered : The withheld funds are preventing me from operating my business normally, paying vendors, and meeting financial obligations. 
This has caused significant financial hardship and reputational harm to my company. 

Relief Requested : I respectfully request : The immediate release of my lawfully deposited funds. 

Attachments : Chase correspondence / notices Copies of submitted ITIN and incorporation documents Proof of submission/acknowledgment Certification : I certify that the information provided in this complaint is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Theresav inquiry on my report from ally i did not make

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I was looking to rent an apt in downtown XXXX when I discovered account I do not recognize as ever doing any business for credit with the follow companies : 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. I would like to request a PIN from all 3 credit bureaus an a freeze-block my files until further notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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 am deeply upset to see that the inaccurate account remains on my credit report. It was never taken off, and I beg that you go through the documents Ive provided thoroughly so this nightmare can finally end for 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 explanation
Consumer complaint received 2025-09-10 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-09-10 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 am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MI

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 non-monetary relief
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDELENT ACCOUNTS : XXXX # XXXX -Date Opened XX/XX/XXXX -- Balance {$97.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
CONSUMER PORTFOLIO SVC XX/XX/XXXX {$22000.00} - FRAUDULENT ACCOUNT I request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), ( XXXX, XXXX ) XXXX XX/XX/XXXX ) that the XXXX  credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). ( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you XXXX, XXXX XXXX XXXX and XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a multitude of fraudulent accounts. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and ALL COMPANIES did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( INCLUDED IN THIS COMPLAINT ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. CONSUMER PORTFOLIO SERVICES DOES NOT HAVE A LEGIT ADDRESS OR PHONE IS NOT LISTED ON THE XXXX XXXX  XXXX XXXX, THIS COMPANY IS NOT A PUBLIC TRADED COMPANY AND HAS DBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
I am extremely frustrated to see that the unauthorized inquiries are still on my credit report this morning. I dont understand why they havent been removed, even after refreshing my browser. I urgently need the documents I sent to be reviewed carefully so that I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NAVY FEDERAL CREDIT UNION XX/XX/XXXX DEBT IS OLD 1099 C PROVIDED COMPANY IS STILL IN VIOLATION. REMOVE FRAUDULENT ACCOUNT OFF OF CONSUMER CREDIT REPORT. PROVIDE WET INK SIGNATURE. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), that the XXXX  credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). ( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you XXXX, XXXX XXXX XXXX and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a multitude of fraudulent accounts. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and ALL COMPANIES did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( SUPPORTING DOCUMENTATION HAS BEEN ATTACHED TO THIS COMPLAINT ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent a large amount of bitcoin to my XXXX  crypto wallet and sold that bitcoin in the XXXX  wallet. After I was able to sell the bitcoin I sent to the XXXX  wallet, XXXX  froze my funds and has provided no legal reason for the funds availability issue or the hold on my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-09-10 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: CA

Complaint narrative:
I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. 

I submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm. 

This continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.

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 2025-09-10 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: CA

Complaint narrative:
I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. 

I submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm. 

This continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.

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 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inquires were fraudulent opened due to the experience of transuion data breach in XX/XX/2025.

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