vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report. These accounts are inaccurately reported and have not been updated in accordance with the Fair Credit Reporting Act ( FCRA ). The details of these accounts are as follows : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3400.00} CCB/ZALESCC Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$790.00} XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1700.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Today the bank withdrew a bill payment twice, leaving my account overdrawn by over {$2000.00}. I have NO access to my money and even though the bank acknowledges this error, they can not tell me when it will be corrected. I need to fill my prescription drugs and pay other bills and simply can not. This is unacceptable.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC requestiong {$620.00}, with no paperwork and not the original debt owner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My home was broken into several years ago by an old roommate after a dispute/eviction. My personal information including my ss card, DL and debit cards were taken and never recovered. Months later I would get inquiry alerts from various credit monitoring sites I used to track my credit. Several months to a year later I would get calls from collection agencies like XXXX XXXX XXXX XXXX XXXX XXXX and they would resolve some of the accounts once they understood that I did not create these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing the reporting of the XXXX XXXX account as charged off. 
I have not received any documentation from the creditor validating this account, the alleged balance, or the charge-off status. 
I request Experian to investigate and verify the accuracy of this entry. 
If the furnisher can not produce verifiable proof of ownership, contract, payment history, and lawful charge-off documentation, I ask that Experian remove this account under FCRA XXXX XXXX 

Accounts in Dispute : XXXX XXXX Account # XXXX Reported Charged Off on XX/XX/XXXX Balance : {$740.00} Inquiries in Dispute : CREDIT TECHNOLOGIES IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
My repeated attempts to have false and inaccurate information removed from my credit report have gone unresolved. I have exercised my right to dispute and correct these errors, yet the information remains, unverified and misleading. This ongoing inaccuracy is negatively affecting my credit standing and causing unnecessary hardship in my daily life.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to urgently dispute a debt reported on my credit report by the collection agency XXXX, related to charges from my former property management for carpet replacement. I assert that these charges are inaccurate because the condition of the carpet represents normal wear and tear, which under Florida law should not be considered tenant damage nor converted into a collection debt. 
I have provided property management with clear evidence that the carpets condition is from ordinary use and heavy foot traffic by myself and my XXXX small children, not neglect or abuse. The managements own emails state that the charges were for carpet replacement. However, I have photographic evidence taken at move-out showing worn carpet due to regular use, not damage beyond wear and tear. 
Florida law defines normal wear and tear as the expected deterioration occurring from ordinary use of a rental property without negligence. Common examples include fading, discoloration, matting, and general soiling from trafficall of which accurately describe my carpets condition. Florida Statutes 83.49 and relevant case law such as Burley v. Mateo require landlords not to charge tenants for such wear and tear and to return security deposits accordingly. 
I have repeatedly contacted the collection company XXXX with this information and supporting documentation, but they have refused to discuss the evidence, demanding full payment without consideration of my valid dispute. They have also refused any partial payment or settlement discussions based on the evidence of normal wear and tear. 
This ongoing collection is causing me immediate and severe hardship, leaving me unable to secure housing or move to a new residence. Therefore, I urgently request CFPBs prompt investigation into this matter to prevent further harm caused by this inaccurate and unfair credit reporting. 

Please find attached copies of : Emails from the property management admitting carpet charges Photographs of the carpet taken at move-out demonstrating normal wear Relevant excerpts from Florida landlord-tenant law regarding wear and tear Records of communications with the collection agency XXXX  Thank you for your immediate attention to this critical matter. I look forward to your support in ensuring fair reporting practices and the removal of this inaccurate collection account from my credit report. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX and ATM machine didnt process my transaction of XXXX $ deposit i did. I call to the number they provide and tell me that I will get the money last night or this morning and didnt happen, then i call again and they said the complain is in process, then i call again and they said that could take 2, 3 ,4, 5 days 30 days ... i went to Bank of America to talk about that issue and they said they cant resolve problems that are from ATM because is another company. that money have a very important purpose that was to pay my attorney fees in a legal process im dealing with right now and that can bring bad consequences to me. 
Im been doing the things in good faith but the company seems that dont care about and like to take their time to process a mistake they did, no having in mind how important can be that money to be use it for, I'm really upset and I would like this be resolved as soon possible.

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 monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously requested a reinvestigation of the accounts listed on my credit report. However, the results I received did not include proper verification or supporting documentation from the data furnisher. Under the Fair Credit Reporting Act ( FCRA 611 ), I have the right to a fair and accurate reinvestigation. Because the information could not be fully verified.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am disputing the following charged-off accounts due to discrepancies in reporting. These accounts should be updated to reflect accurate status information or removed if the reporting does not meet FCRA guidelines. 

CHARGED OFF ACCOUNTS XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Issue : The account is reported as charged off, but I believe it may be outdated or incorrectly reported. I request verification and validation of the charge-off status and whether the amount owed is accurate. 

XXXX  XXXX BANK Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$840.00} Issue : Discrepancy in reported balance. I request clarification of the reported balance and verification that this account is being accurately reported as charged off. 

XXXX  XXXX BANK Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$640.00} Issue : I request verification of the charge-off status and balance of this account, as it may be incorrectly reported. 

LATE PAYMENTS XXXX XXXX XXXX Account Number : XXXX Issue : I dispute the reported late payment on this account. Please provide documentation supporting the reported payment history and status. 

XXXXXXXX XXXX XXXX Account Number : XXXX Issue : Discrepancy in the reported late payment history. Please verify and provide records of payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the following accounts on my Equifax credit report due to inaccuracies in reporting. I believe these accounts do not reflect the accurate status of my credit history and require correction. 

Charged Off Accounts XXXX Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3300.00} Inquiries XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX SD XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase was the original creditor and it was assigned to the XXXX XXXX XXXX. The XXXX XXXX XXXX keeps on insisting that the processor delivered the documents to me and I provided identity which is false. I'm requesting for the XXXX XXXX XXXX to provide a copy of the identity of the server with photo ( drivers license ) with their full name. Once received, I will then call my monitoring service to provide a copy of the video clip to verify such event that claiming that I was physically served on XX/XX/year>. I'm also requesting for CFPB to review this complaint and dismiss the judgment in my behalf. Note : The only source of income is SSA.

Company response to consumer: Closed with explanation