vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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:
I am formally disputing the account reported under XXXX XXXX XXXX XXXX Account XXXX, listed as an auto loan opened on XX/XX/XXXX and closed in XX/XX/XXXX with an original balance of {$24000.00}. 

I have contacted the furnisher of this account, XXXX XXXX XXXX, over 12 times, requesting verification and authentication of this debt under my rights as provided by the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ). To this day, they have failed to provide the requested documentation, including a copy of the original contract with my signature, proof of identity verification, or any record substantiating the validity of this account. 

Furthermore, this account reflects late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and a repossession, yet XXXX XXXX XXXX has not produced proper records to validate such reporting. Recently, XXXX XXXX XXXX has also been publicly investigated and sanctioned for fraudulent practices, which raises further doubt about the accuracy and legitimacy of their reporting. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 609 ( a ) gives me the right to request all information in my file and verification of the accuracy of the items being reported.

Section 611 ( a ) ( 1 ) ( A ) requires that the credit bureaus conduct a reasonable reinvestigation of any disputed information.

Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that they know or reasonably should know is inaccurate.

Section 607 ( b ) obligates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Since XXXX XXXX XXXX has failed to validate this account despite my repeated requests, and given the serious concerns regarding their fraudulent practices, this account must be considered unverified and unverifiable. Therefore, it is required under the FCRA that this account be immediately deleted from my credit file. 

I respectfully demand that you : Conduct a full reinvestigation of this account with XXXX XXXX XXXX 

Require them to provide complete verification, including the signed contract, payment records, and proof of repossession. 

If they can not produce such documentation within the timeframe allowed by law ( 30 days ), delete this account from my credit file entirely. 

Please send me written confirmation of the results of your investigation and any changes made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NM

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ], which provides consumers the right to block fraudulent information resulting from identity theft from appearing on their credit reports.

I am a victim of identity theft, and the collection account listed below does not belong to me. It was opened without my knowledge or consent and is therefore fraudulent. Under federal law, you are required to block this information from my consumer file within four business days of receiving this notice, Basis for Dispute : This account is the result of identity theft. I did not open this account, authorize it, or benefit from it in any way. Pursuant to FCRA Section 605B, I demand that this fraudulent account be immediately blocked and removed from my credit file. You are prohibited from reporting this account to any credit bureau once notified with proof of identity theft.

Action Requested : Block and delete the above-listed fraudulent account from my credit report under 15 U.S.C. 1681c-2 ( FCRA 605B ).

Cease and desist from furnishing this fraudulent information to any consumer reporting agency.

Provide me with written confirmation of the removal within the legally required time frame.

Failure to comply with this request may constitute a violation of the FCRA and subject your agency to enforcement action by the Consumer Financial Protection Bureau ( CFPB ), as well as potential civil liability. 

I expect your prompt attention to this matter and confirmation that this fraudulent account has been permanently removed from my credit reports with XXXX, XXXX, and XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This complaint concerns XXXX XXXX XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX, who ( 1 ) filed a lawsuit and ( 2 ) obtained an illegal default judgment against me after the statute of limitations expired under Texas law.

Loan originated XX/XX/XXXX ( Affirm installment loan for XXXX purchase ). 

One payment made XX/XX/XXXX, account charged off XX/XX/XXXX. 

The 4-year statute of limitations expired XX/XX/XXXX ( Tex. Civ. Prac. & Rem. Code 16.004 ( a ) ( 3 ) ). 

XXXX XXXX filed suit after that date and obtained judgment XX/XX/XXXX violating Tex. Fin. Code 392.307 ( failure to disclose time-barred debt ) and 12 C.F.R. 1006.26 ( CFPB Reg F ) which prohibits lawsuits on time-barred debt. 

Service was done by posting unsealed papers on my apartment door, exposing my name, debt, judge, and amount to neighbors a public disclosure that caused me humiliation, fear, and distrust in the legal system ( possible FDCPA 15 U.S.C. 1692c ( b ) violation ).

They are now attempting to appoint a post-judgment receiver to seize my wages/assets/finances on a judgment that should never have been entered. This is causing extreme XXXX, sleeplessness, and risk of losing access to rent and essential expenses associated with maintaining my place of work, place of living, method of travel, and general welfare. I have experienced sudden and extreme increase of negatively impacting emotions while on medications for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year> I made a mobile deposit of {$1500.00} to my account. The next day it got flagged under fraud and my account closed with the {$1500.00} still on hold. Ive been calling for a while now to ask when will I receive the funds. But each time I call I get different answers. I provide the phone number for the maker of the check but each time Im told that its not verified. I dont know what else to do anymore I went in person last year and provided a bank statement that the {$1500.00} was charged from the other persons account. 
I was told that the check will eventually expire and I will recieve the funds which never happened. 
I just need help In recovering my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: SC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$3800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$240.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$320.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX rewards card said that my statement was sent to my email however I never received the statement. They charge me late fee {$37.00} which I paid.

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 2025-09-13 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Dispute of Account Request for Investigation and Removal To Whom It May Concern, I am writing to formally dispute the information reported on my credit report related to the my account.

The reason I am disputing this account is due to a violation of my privacy rights. I have reason to believe that sensitive information related to this account such as address ( s ), name ( s ), and account number has been leaked to unauthorized third-party partners. This constitutes a serious breach of privacy and may fall under misuse of personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00}

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 2025-09-13 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00}

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 2025-09-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have repeatedly requested proper verification of the accounts listed below, as required by law. Continuing to report unverified or inaccurate information is a violation of the Fair Credit Reporting Act. Under Sections 609 and 611, you must either verify these accounts with documented evidence or remove them. Failure to comply will result in further legal action and complaints to the CFPB and FTC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00}

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 2025-09-13 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: LA

Complaint narrative:
I have repeatedly requested proper verification of the accounts listed below, as required by law. Continuing to report unverified or inaccurate information is a violation of the Fair Credit Reporting Act. Under Sections 609 and 611, you must either verify these accounts with documented evidence or remove them. Failure to comply will result in further legal action and complaints to the CFPB and FTC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00}

Company response to consumer: Closed with non-monetary relief