vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because Equifax and TransUnion have failed to comply with my rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). I am a verified victim of identity theft. I have already provided each credit reporting agency with : A Federal Trade Commission ( FTC ) Identity Theft Report ( Affidavit ) A police report A D-64 identity theft block form Despite providing these official documents, both Equifax and TransUnion have refused to block or delete a fraudulent account that I have repeatedly disputed.

Fraudulent Account Information Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : XXXX I have never applied for, opened, authorized, or used any account with XXXX XXXX XXXX. The account was opened by an identity thief and does not belong to me. 

Both Equifax and TransUnion were notified of this identity theft and provided with all the necessary documentation required by law. Yet, the account continues to appear on my credit reports, harming my personal and business credit standing. 

Violation of Federal Law Under FCRA 605B, once a consumer submits an identity theft report and requests a block, the credit reporting agency must block the fraudulent information within four ( 4 ) business days.

By continuing to report this fraudulent account, Equifax and TransUnion are in direct violation of this federal requirement. This ongoing reporting has caused damage to my reputation and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
In accordance with the fair credit reporting, the list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry name : XXXX  XXXX ( XXXX  ) XXXX XXXX, XXXX  Inquiry name : XXXX XXXX  XXXX ( XXXX  ) XXXX XXXX, XXXX  Inquiry name : XXXX ( XXXX  ) XXXX XXXX, XXXX  has violated my rights. 

I looked at my TransUnion and noticed some things are incomplete and not accurate.

According to the FCRA 15 USC 1681E ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy.

And according to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if 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 supposed 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 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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
Subject : Formal Notice and Request for XXXX XXXX and XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX, I, XXXX XXXX XXXX, hereby submit this formal notice asserting my equitable rights to credit and my standing as the implied XXXX for my principal debtor in all related financial and credit matters. 

It is my understanding that, under principles of equity and subrogation, I am entitled to the equitable rights, remedies, and protections that attach to the position of surety. As the XXXX XXXX in interest, I operate in good faith and seek proper recognition of these rights to ensure that no unjust enrichment, inequitable treatment, or misapplication of credit occurs in relation to my accounts or credit profile. 

I respectfully request that the CFPB and its legal team review my case and provide guidance or remedy consistent with the agencys mandate to ensure fairness, transparency, and equity within the credit and financial systems of the United States. This includes reviewing any potential administrative or institutional errors that XXXX have impaired my equitable access to credit or financial standing. 

Please confirm receipt of this correspondence and advise me of any additional documentation, identification, or procedural steps necessary to perfect my equitable claim and to obtain appropriate remedy under applicable law and administrative authority. 

This communication is made in good faith and without prejudice to any rights or remedies available at law or in equity. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, This correspondence serves as a formal complaint and request for enforcement action under the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX et seq. ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ). 
The complaint concerns an auto loan originated through XXXX XXXX of XXXX XXXX, Florida on or about XX/XX/year> for a 2025 XXXX XXXX. Financing was arranged by Chase Auto Finance ( JPMorgan Chase Bank N.A. ), with XXXX XXXX as the primary borrower and XXXX XXXX as the co-signer. 
At the time of the sale, the vehicle model and material loan disclosures were misrepresented. The co-signer did not receive full and accurate information about the financing terms, vehicle model, or contractual obligations. Despite this, Chase Bank has continued to furnish information to Experian, Equifax, and TransUnion that is inaccurate, incomplete, and legally unverifiable. 
Under FCRA XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ), all consumer reporting must meet the standard of maximum possible accuracy. Under FCRA XXXX ( a ) ( XXXX ) ( A ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ), furnishers may not report information they knowor should knowis inaccurate. Upon notice of a dispute, FCRA XXXX ( a ) ( XXXX ) requires a reasonable investigation, and FCRA XXXX ( a ) ( XXXX ) mandates deletion of unverifiable information. 
Additionally, under TILA XXXX ( a ) ( XXXX U.S.C. XXXX ( a ) ) and Regulation XXXX  XXXX, the creditor is required to provide clear and accurate disclosures to all obligors, including co-signers. The dealership and lenders failure to do so constitutes a violation of these disclosure provisions. 
Accordingly, I respectfully request that the CFPB initiate an investigation into Chase Auto Finance and XXXX XXXX of XXXX XXXX for violations of federal consumer protection laws and require Chase Bank to : XXXX. Cease furnishing the disputed auto-loan tradeline for this misrepresented transaction ; XXXX. Provide documented proof verifying the accuracy of all reported information, including the signed contract, XXXX, and full TILA disclosures ; and XXXX. Directly delete this account from XXXX credit bureau reports for XXXX XXXX due to unverifiable and inaccurate reporting. 
This accounts continued reporting causes substantial and irreparable harm to the consumers credit profile and violates XXXX U.S.C. XXXX, XXXX, and XXXX. 
I request written confirmation of the XXXX receipt and review of this complaint and any resulting action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive been getting denied opening new lines of credit or auto loans or opening up accounts simply because simply based off Equifax not providing my credit score. Im tired of Equifax dragging their feet either investigating disputes which they dont or constantly being advised to mail in things ( documents ) to verify who I am. You have no issues reporting garbage and you dont require proof of that, yet when I log onto your website no issues and a credit score displays there. So broadcast it. Youll send out my credit report but not provide a score? Very asinine. You want to verify me? Use XXXX. Stop making things inefficient because of your laziness as a company. If I even entertained this foolishness the agent said the fastest way to resolve after mailing is to call in, when a person doesnt even know how long mailed documents takes to have updated in system after it makes its way through mailing system. Very insulting to my intelligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi bank closed my account without informing me. I tried to log into my account but failed to. Therefore, i called customer service trying to log into my account. I was informaed that my account is forced closed. No reason is shared with me. And my remaining fund that I need to pay rent and grocery is freezed for at least XXXX days.

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 2025-11-07 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: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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 HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

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 2025-11-07 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: IL

Complaint narrative:
I am submitting to formally request the removal of all dispute notations associated with the following accounts on my credit report and for their status to be updated accordingly. These dispute remarks are no longer valid, as I am no longer contesting the accuracy or validity of these accounts. 
XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} These accounts were previously marked as being in dispute or containing dispute-related comments such as consumer disputes this account. I am no longer disputing these accounts and would like all dispute remarks, codes, or notations fully removed from my credit file.

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 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I dont remember having none of these debts I had insurance and this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AZ

Complaint narrative:
I am submitting to formally request correction and update of inaccurate late payment information that is currently being reported on my Equifax, TransUnion and Experian credit report for the account listed as XXXX, account number ending in XXXXXXXXXXXX XXXX XXXX XXXX XXXX Most importantly, the file shows a XXXX late payment reported for XX/XX/year>, which does not accurately reflect my payment history for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this complaint to dispute an entry related to the account reported by XXXX ( Account Number : XXXX ). Upon reviewing my report, I have found discrepancies that require correction. 
The account in question, listed with a balance of {$0.00}, shows late payments from XX/XX/2023 ( 30 days late ) and XX/XX/2023 ( 60 days late ). However, I believe the accounts status is not being accurately reflected, and I respectfully request that this issue be investigated and corrected. Additionally, I would like to highlight that this account is open to other bureaus, yet the status reported by Experian does not reflect this. 
As required under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to a fair and accurate credit report, and I expect that the disputed information be thoroughly investigated within the timeframes stipulated by the law. Any inaccuracies in this regard not only violate my rights but also unfairly harm my creditworthiness. 
Moreover, FCRA 623 ( a ) ( 2 ) mandates that the furnisher of this information, XXXX is obligated to report accurate and up-to-date data. The incorrect reporting of this accounts payment status directly violates this responsibility and calls for immediate action to ensure my credit report is corrected. 
In addition, FCRA 602 emphasizes that one of the primary purposes of the FCRA is to maintain accurate and fair credit reporting. As a consumer, I rely on this law to ensure that my credit history is properly represented, and I am requesting your prompt attention to this matter so that any potential damage to my credit profile is avoided.

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 2025-11-07 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: NY

Complaint narrative:
I would like these accounts to be remove so my credit report can update accurately ACCOUNTS XXXX XXXX XXXX  {$73000.00} XXXX XXXXXXXX XXXX {$2000.00} XXXXXXXX XXXX XXXXXXXX {$5100.00} I am writing to have the following information remove from my credit report. the items that I need deleted are going to be attached in the word document. I am a victim of identity theft and Equifax data breach. I have multiple accounts and inquiries that I did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was approved for the Citi XXXX XXXX credit card. However, before I even received my card, Citi abruptly blocked my account and demanded that I submit a 4506-C form for IRS income verification. I fully complied with this request and submitted the form promptly and accurately. Despite doing everything required, I was shocked to discover that Citi had closed my account without any warning, justification, or communication.

I have contacted Citi multiple times to obtain an explanation, yet no one has been able to provide a clear or valid reason for this action. This treatment is unacceptable and raises serious concerns about how Citi handles its customers accounts. Furthermore, it appears this is a widespread issue many other customers report experiencing the same situation after submitting the 4506-C form, with their accounts closed and no transparency provided.

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 2025-11-07 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against the XXXX major credit bureaus TransUnion, Equifax, and Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with multiple lawful dispute requests. 

I previously submitted disputes regarding inaccurate and unverifiable information appearing on my credit reports. Despite repeated notices and sufficient time to reinvestigate, the bureaus have continued to report the same inaccurate items without providing proper documentation or verification. Their continued inaction and refusal to correct these errors have caused harm to my credit standing and violated my consumer rights under federal law. 

The following FCRA provisions have been violated : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy The bureaus have failed to provide : Any documentation used to verify the disputed accounts The method and procedural details of the verification process The contact information for the furnishers relied upon for verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
XXXX will incessantly call and harass starting the day the loan is due. I would answer advise I was at work and could not answer the phone as I dispatch. If I keep answering they will get me fired then I wont be able to pay. Multiple times they would acknowledge, hang up and call right back. 

While I was delayed in making payments, the monthly payments still got made while they harassed. 

I filed a complaint with XXXX, the company acknowledged and said they will not call anymore and I blocked their number. This occurred in XXXX / XXXX. 

After that time, my loan was removed from their portal and I was unable to make any payment. No communication of this change was received via email and or regular mail as previously requested. A phone call was received by them on XX/XX/year> as I noticed on my blocked call list. 

This company has been harassing, unprofessional and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the charge-off accounts currently being reported on my XXXX  credit report.

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, I am requesting a full reinvestigation and removal of all charge-off entries that can not be verified with original source documentation. If these accounts have been sold, transferred, or assigned, you are required to confirm the current ownership and furnish proof of a legal right to report. 
Reporting a sold or transferred account as a charge-off constitutes duplicate and misleading reporting, in direct violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false or outdated information.

Failure to remove unverifiable, inaccurate, or misrepresented charge-off data within the 30-day reinvestigation window will result in a formal complaint being
filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. I expect immediate deletion or documented proof of lawful reporting. 


I would like your method of verification, the name and contact info of the data furnisher, and proof of investigation. Failure to provide verification violates 15 USC 1681i. Law ISUSC 1692 C you have violated my rights by in lawful communications, your failure to conduct a reasonable investigation

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