vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX  regarding an account I have with them XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX * Balance : {$750.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX  buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Before XX/XX/year> refer to the related complaint XXXX I never gave PORTFOLIO RECOVERY ASSOCIATES LLC any consent to contact me or anyone else in connection with this alleged debt. I never did business with PORTFOLIO RECOVERY ASSOCIATES LLC nor did I consent to them acquiring any of my personal information including my name, address, social, or telephone number for any monetary gain. I am requesting that PORTFOLIO RECOVERY ASSOCIATES LLC cease all communication with me through all mediums including but not limited to phone calls, postage, email, or my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When recruited in XXXX to the XXXX XXXX XXXX XXXX XXXXXXXX. 
The school used high-pressure sales tactics and targeted vulnerable populations, including low-income and minority students, promising career success that was not achievable. 
The XXXX XXXX falsely advertising high job placement rates and inflated salary data for graduates, misleading prospective students about career prospects. Told I could make over {$100000.00}. 
XXXX XXXX of having student take out Several Loans taken out last open loan was {$6800.00}. Same loan Reported closed in XX/XX/XXXX. And again the same loan reported closed on XX/XX/XXXX. Leading to decades long impact on Credit Report. 
The school 's actions burdened student with high levels of debt for programs that did not deliver on their promises, leading to loan defaults and dropout.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: LA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
XXXX XXXX OPEN : XXXX XXXX XXXX AMOUNT {$210.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX AMOUNT {$7000.00}

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 2025-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I fell in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and needed to be transported by XXXX XXXX XXXX XXXX I was told by the XXXX that the XXXX XXXX  was {$600.00}. The XXXX asked if I had insurance and they could help me collect from the insurance and refund the {$600.00} I paid once funds are received from my health insurance company. They gave me a bunch of papers to sign while I was in excruciating pain and I was unable to comprehend what I was been told or signing. On getting to the XXXX they would not treat me until all payments were made and I also had to pay {$20.00} for a bed pan before they allowed me to XXXX. I settled the XXXX XXXX as well as the XXXX XXXX  only be receive collection calls and {$1300.00} added to my credit report. XXXX points removed from my credit score because of this collection. The bill was settled and I was taken advantage of because I was in pains. 
XXXX XXXX XXXX attempted to collect from my XXXX insurance but was told they needed to provide a billing code and Medical line support refused thus the claim was denied. 
But I.C. System told me my insurance needed an authorization of designated appeals representative form to be attached. 
The collection agency is in FL but I do not have their physical address. I spoke with XXXX XXXXXXXX but my questions were not answered, he kept insisting that the debt was owed even though I wasn't told my ambulance bill was going to be over {$1900.00} for a ride less than 5minutes. 
I also did not provide my social security number and they should not have it.

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Cease and Desist Demand Regarding Collection Activity on Charge-Off Account To Whom It May Concern, I am writing to formally demand that you cease all communication and collection efforts regarding the alleged debt associated with the account referenced below, which has been charged off. 

Account Reference : XXXX XXXX XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you immediately cease all communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

Please be advised of the following : XXXX. I dispute the validity of the alleged debt and request no further contact. 
XXXX. The account in question has been charged off, and I am under no legal obligation to engage with you regarding this matter. 
XXXX. Any continued contact after receipt of this letter will be considered a violation of the FDCPA and may result in legal action being taken against your organization. 

I respectfully request written confirmation that you have received this notice and that no further collection attempts or communications will be made regarding this matter. 

Thank you for your immediate attention to this matter. 

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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In late XXXX early XX/XX/year> ], my business and personal accounts at JPMorgan Chase Bank were subjected to a withdrawal hold and enforcement action totaling approximately {$60000.00}. This was done without any prior notice, court order, or legal process. 

The action appears to have been based on a demand from a third-party merchant cash advance lender or attorney ( XXXX XXXX or a related group ). I received no official notification or documentation, and I was not given the opportunity to dispute the action before the funds were frozen or removed. 

This enforcement created significant financial harm to my business. I contacted Chase 's executive office and submitted a written complaint, requesting : The identity of the party who initiated the enforcement, A copy of any legal documents used, And confirmation of what internal procedures were followed. 

To date, Chase has not responded. I believe this violates federal banking protections and due process rights, as the funds were seized without court authorization or a valid legal proceeding. 

I am requesting that the CFPB investigate and help determine whether Chase acted improperly in honoring this third-party enforcement request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting removal of a public record bankruptcy from my TransUnion credit file that is inaccurate and unverifiable. I previously submitted disputes, but TransUnion has responded by stating the item was verified through XXXX. However, the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX California, XXXX XXXX does not verify or furnish credit data, and no direct verification from the court has been provided. 

The court name listed on my TransUnion report appears as XXXX XXXX XXXX XXXX, which is not the official or complete name of the court. The case number is also not formatted in the standard way a valid bankruptcy case number would appear. These issues violate FCRA 607 ( b ), which requires maximum possible accuracy when reporting public records. 

Because the information can not be verified with the original source, and XXXX has already removed it from my report, I am requesting permanent deletion from TransUnion under FCRA 611.

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 2025-07-04 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-07-04 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:
Inconsistent and Inaccurate Reporting 15 U.S.C. 1681e ( b ) XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/year> High Credit : {$1200.00}

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 2025-07-04 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: FL

Complaint narrative:
Inconsistent and Inaccurate Reporting 15 U.S.C. 1681e ( b ) XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/year> High Credit : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
Inconsistent and Inaccurate Reporting 15 U.S.C. 1681e ( b ) XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/year> High Credit : {$1200.00}

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Since XXXX of this year there has been multiple charges on my card coming from the HomeDepot in XXXX XXXXXXXX XXXX several times in one day there were 3 back to back charges from this same store in XXXX, XXXX and today XX/XX/XXXX totalling over inat least {$2500.00} in charges buying some type of XXXX clock every time where I only get building materials they keep sending me cards and some how they're using the card before I received it in the mail I haven't used or shopped at the store since the first report every time I call they claim there's a block on the account and I shouldn't have to worry about it plus they gave me a password to use incase if I did come in I would have to call the issuer with the password to ok my purchase well evidently that didn't work so today XX/XX/XXXX I received a message from citi bank issuer of the card that there was 2 purchases made on my card one for {$360.00} and the other for {$540.00} so I called the fraud department again they claimed they closed the account and will send out another but why when whoever this is will get it and go buy more of this XXXX stuff that's all they get so today I decided to go to XXXX XXXX HomeDepot and try to talk to management but girls at service desk said he wasn't in and wanted to know my problem I told her she ask for my last 4 of social to look up my purchases and claim she didn't see anything on my account I ask her what are these XXXX clocks and she pointed them out infront of the service desk in the store I thought these things had security buttons on them and have to be scanned at the register and HomeDepot fraud department told me they where being purchased at a register I wish they will investigate so this will stop it's been going on to long I have multiple citibank cards and this is the only one I'm having problems with and im scared to use it right now until this is resolved.

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 2025-07-04 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: FL

Complaint narrative:
XXXX XXXX OPEN : XXXX XXXX XXXX AMOUNT {$210.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX AMOUNT {$7000.00}

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 2025-07-04 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. 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 will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit 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 non-monetary relief