vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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:
I am filing a complaint regarding several inaccuracies on my credit reports that remain unresolved despite previous disputes. The following accounts continue to report incorrect information : XXXX XXXX is showing an inaccurate balance of {$390.00} ; XXXX XXXXXXXX XXXX reporting a balance of {$0.00}, which conflicts with the information I received from the creditor ; XXXX XXXX XXXX is reporting an incorrect balance of {$660.00} ; XXXX XXXX XXXX is listing an inaccurate balance of {$210.00} ; XXXXXXXX XXXX XXXXXXXX is showing an incorrect balance of {$0.00} ; and XXXX XXXX is displaying a balance of {$1100.00} that appears to be inaccurate. These inconsistencies indicate the accounts may not have been properly investigated under the FCRA, and I am requesting that each item be thoroughly reviewed and corrected as required by law.

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 2025-11-19 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:
I am filing a complaint regarding several inaccuracies on my credit reports that remain unresolved despite previous disputes. The following accounts continue to report incorrect information : XXXX XXXX is showing an inaccurate balance of {$390.00} ; XXXX XXXXXXXX XXXX reporting a balance of {$0.00}, which conflicts with the information I received from the creditor ; XXXX XXXX XXXX is reporting an incorrect balance of {$660.00} ; XXXX XXXX XXXX is listing an inaccurate balance of {$210.00} ; XXXXXXXX XXXX XXXXXXXX is showing an incorrect balance of {$0.00} ; and XXXX XXXX is displaying a balance of {$1100.00} that appears to be inaccurate. These inconsistencies indicate the accounts may not have been properly investigated under the FCRA, and I am requesting that each item be thoroughly reviewed and corrected as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My overdraft fees are too much and I can not withdraw any money for my overdraft!?! Even though my checks are direct deposit! I spend {$10.00} in a convenience store and overdraft charges me {$34.00}!?! This been going on for years! I been a Chase customer too long to be paying overdraft fees for every purchase! When I do get my check, most of it is gone already from overdraft fees!?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), your company must verifythrough the physical verification of the original signed consumer contractany and all accounts you report to assure maximum accuracy.

Please provide a copy of the verifiable proof ( an original consumer contract with my signature ) you used to verify these items when first reported. Under the FCRA, unverified accounts must be deleted promptly. Please also block this information pursuant to 605B and notify all furnishers. 
I demand the following accounts be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} Additionally, I dispute the following inquiries that appear on my credit report. Please provide documentation showing a verifiable permissible purpose and my written authorization for each inquiry, or remove them immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
The company is falsely reporting on my credit report that a debt is owed to them. 
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.

There is not a contract between me and said company reporting and falsely reporting a debt is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : CEASE AND DESIST Unlawful Collection Activity To Whom It May Concern : I am formally notifying XXXX XXXX XXXX to cease and desist all communication and collection activity regarding the alleged account you claim I owe. This notice is issued pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

You are to immediately stop all phone calls, letters, emails, text messages, or any other form of direct or indirect communication with me, including contact with third parties associated with me. Any further attempt to collect this alleged debt, except as allowed by law, will be treated as a knowing and willful violation of the FDCPA.

Additionally : 1. Demand for Validation If you have not already provided full and complete validation of the alleged debt in accordance with 15 U.S.C. 1692g, you must do so. Validation must include : Complete account history from the original creditor Proof that XXXX XXXX XXXX legally owns or has the right to collect the alleged debt Full itemization of the amount you claim is owed The original signed contract or agreement ( if applicable ) 2. No Assumption of Liability This letter is not an acknowledgment of liability for any alleged debt. Until proper validation is received, you must treat this debt as disputed. 
XXXX. Notice of Violations Any continued collection effortsincluding but not limited to reporting unvalidated debt to credit bureauswill be documented as violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). If necessary, I am prepared to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, state Attorney General, and pursuing civil action for statutory damages, court costs, and attorney fees. 

You are hereby required to confirm in writing that you have received this notice and that all collection activities have ceased. 

Failure to comply will result in immediate escalation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXXI am in XXXX right now. I was sleeping. A call came, I picked up the phone without looking. I didn't recognize the number. I am connected to an XXXX XXXX XXXX XXXX It asked for a verification code three times to join the XXXX meeting under that name.XXXXI grew suspicious and then asked the chairman and after the chairman said that it was not him I came to realize it was a hackerXXXXThe name on his caller id is XXXX phone number XXXX XXXX and the verification codes that I sent were XXXX XXXX XXXX XXXX. I am pretty sure that it was a hacker therefore I wanted to report this as there may be attempt to hack my account.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am submitting this complaint regarding the repeated reporting of inaccurate, conflicting, and unverifiable information on my credit reports by Experian, Equifax, and TransUnion. Despite prior disputes, multiple XXXX XXXX XXXX charge-off accounts continue to appear incorrectly on my credit reports, including balances of {$3800.00}, {$4900.00}, {$2400.00}, and {$6100.00}, reported on both Experian and TransUnion. These accounts are reported without proper verification, inconsistently, and remain unverifiable. Their continued presence is damaging, misleading, and harmful to my credit profile, particularly as there is an absence of a 1099-C for amounts over {$600.00}, which violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. In addition, several unauthorized or unverified inquiries continue to be reported across my credit files, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on Equifax, and XXXX XXXXXX/XX/XXXX on TransUnion. These inquiries were not authorized by me and have no permissible purpose, making them inaccurate, unverifiable, and misleading. Their presence violates FCRA 619 [ 15 U.S.C. 1681q ], as well as 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which strictly govern permissible purposes for access to credit information. The repeated reporting of these unverifiable accounts and inquiries misrepresents my creditworthiness, continues to harm my financial profile, and demonstrates a failure by the credit bureaus to comply with federal law.

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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against Fair Collections and Outsourcing regarding their failure to validate a debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and failure to delete the collection across all credit bureaus. 

On XXXX I sent a formal debt validation letter requesting documentation proving I was legally responsible for rent after my move-out date from a prior residence. The agency responded, but failed to provide any of the following : A signed legal agreement showing I was responsible for rent beyond the date I vacated. 

Any written communication from the landlord showing that I agreed to continue paying rent after vacating. 

I followed up with another letter dated XX/XX/year>, giving the agency XXXX days to provide proper documentation. As of today, they have not responded. 

I am disputing this debt in full, and I demand that Fair Collections and Outsourcing cease all collection activity and remove any credit reporting related to this matter especially since it was recently disputed and deleted from the credit bureau XXXX 

Their failure to validate the debt and continued collection efforts are violations of the FDCPA. I am requesting that the CFPB investigate this matter and hold the agency accountable. 

I am attaching copies of the following : My original validation request Their inadequate final response My follow-up/final notice letters XXXX of mailing and timeline Email proof of move out/change of address Equifax dispute result and deletion correspondence

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-19 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding an account being reported on my credit. I am requesting a full debt validation under the Fair Credit Reporting Act ( FCRA ). The furnisher has not provided proper verification, documentation with my signature, or proof that the debt is accurate, valid, and legally reportable. 
If the furnisher can not provide complete verification, I am requesting that the account be removed from my credit report. I am asking the CFPB to ensure the furnisher complies with FCRA requirements and corrects or deletes the entry if it can not be properly substantiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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