vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am writing as a consumer to formally dispute information reported on my credit file. I have reviewed my credit reports from XXXX ( XXXX ), XXXX ( XXXX ), and TransUnion ( TU ) and identified the following inaccuracies : 1. Previous Address I request that any outdated or incorrect addresses on my credit file be verified and corrected. 

2. Charged Off Accounts XXXX ( XXXX ) : [ Insert specific account details ] XXXX ( XXXX ) : [ Insert specific account details ] TransUnion ( TU ) : [ Insert specific account details ] These accounts are reported as charged off and I dispute the accuracy of the reporting. I request that the credit bureaus verify the information and correct any errors. 

XXXX. Inquiries I dispute the following inquiries as unauthorized or inaccurately reported : XXXX ( XXXX ) : [ Insert any disputed XXXX inquiries ] XXXX ( XXXX ) : XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) TransUnion ( TU ) : [ Insert any disputed TU inquiries ] I request that any unverifiable inquiries be removed from my credit report.

4. Positive Accounts Please verify that all positive accounts are accurately reported.

5. Late Payment Accounts I dispute the following late payments as inaccurate : XXXX ( XXXX ) : XXXXXXXX XXXX Account XXXX XXXX ( XXXX ) : XXXX  Account XXXX ; XXXX XXXX XXXX XXXX XXXX, Account XXXX ; XXXXXXXX XXXX Accounts XXXX & XXXX TransUnion ( TU ) : XXXX, Account XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX ; XXXXXXXX XXXX, Account 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 2025-11-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: IL

Complaint narrative:
I experienced multiple unauthorized transactions that I did not approve. My previous disputes were denied in bulk without proper investigation. The transactions date back to XX/XX/XXXX in between XXXX. I recently got paid by my job, through cashapp ( because they have early payout I usually get paid through there, then transfer it to my bank ) but once I got paid around XXXX unauthorized transactions happened overnight from a company I am unfamiliar with. All purchases seem to be XXXXXXXX XXXX XXXX of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I hereby assert that the false late payment entries on my accounts are in direct violation of 15 USC 1666. I have consistently made all payments on time, and any errors reflected in this reporting are both unlawful and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have been working on improving my credit and recently discovered several collection accounts for apartments I never lived in or owned. I contacted each collection agency and requested validation of the debt, but I have not received any response. These inaccurate accounts are severely damaging my credit score, and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX a payment was made to the account of {$1200.00}, of which is roughly XXXX greater than the minimum due. My cycle closing date starts over on the XXXX each month. 

Time elapsed and I own that I did not think of making another payment, as I remembered paying recently date. I will own that the payment was late. 

The issue I have is that I did not receive any notifications or billing supporting that my payment was due for my account. Leading up to the due date, there were no text or email reminders supporting that the payment was missing. Today, XX/XX/XXXX, I found that my account was past due and a payment was required. I made my full minimum due payment today. 

When calling customer service, they indicated that my account was never enrolled in an online payment notification service ; the service that would indicate if a payment was coming due amongst other communications. Not enrolling in this service is out of character for me. I do not recall ever seeing any documentation or prompts supporting what online notifications are and their significance to managing my account as a consumer. I asked Chase to provide evidence of documentation to support that I never enrolled in or presented information that supports my decline of enrollment in this service. I fell that this falls into either into the Reg Z or UDAP areas of compliance and oversight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a {$2500.00} balance on my PayPal credit line. In late XXXX before the six-month 0 % promo expired I called Paypal/Synchrony Bank because the promo was ending. The rep said : Join hardship, it'll keep you at 0 %. I enrolled, they closed the account & set up a payment plan. The Promo ended & they charged {$400.00} deferred interest anyway & now my balance is {$2900.00}. I called back : You told me hardship protected the promo? They said : Sorry, it was miscommunication... They closed the account & wouldn't reopen it or waive the deffered charges & basically did nothing but hurt my credit utilization. I went to them for help & they did nothing but hurt me.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-11-13 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: IL

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 2025-11-13 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: CA

Complaint narrative:
Account Name : XXXX  XXXX XXXX Account Number : XXXX Date Opened ( Reported ) : XX/XX/year> Balance : {$970.00} To Whom It May Concern, I am writing to dispute the above referenced collection account as fraudulent, inaccurate, and not authorized by me in any way. I have never opened an account, received services, signed any contract, or conducted any business with XXXX XXXX XXXX or with any original creditor they claim to represent. 
This account does not belong to me and appears to be the result of identity theft or incorrect data reporting. 

They claim that I have a phone number related to them, but my phone number is XXXX prior to that number it was XXXX my email address is XXXX, XXXX or XXXX ( connected To Experian ) not XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX CA, which is on my License. 

mine of these are connected to the account referenced. I need this removed from my credit report as soon as possible. I never done business with XXXX XXXX the company they are claiming to represent.

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 2025-11-13 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: NJ

Complaint narrative:
Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of ( see attached ) According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Amount trying to collect is inaccurate.fail to provide me with the flow agreement, bill of sale and copy of original contract with my signature.adding 15 u s code 1692 g

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 2025-11-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-13 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: IN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
Can you examine this entry? Its overdue and may contain errors.

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 2025-11-13 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: OH

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, Date XX/XX/XXXX I request verification of the original creditor, the date of last payment, and the charge-off details. If the information can not be fully verified, please delete it in accordance with FCRA 611. 

XXXX. Late Payments I am disputing the following account : XXXX XXXX, Account # XXXX Please verify and provide proof of any reported late payments. If the creditor can not provide valid evidence, the negative information should be removed.

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 2025-11-13 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: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is a new complaint related to my existing CFPB complaints : XXXX XXXX I am filing this additional complaint because Midland Credit Management, Inc. and their law firm, XXXX XXXX XXXX, have continued collection activity and misleading practices after my initial complaints and disputes. 

On XX/XX/2025, XXXX XXXX XXXX mailed me a verification packet in response to my disputes and existing CFPB complaints. The packet is inadequate under 15 U.S.C. 1692g ( b ). It included only : A generic bill of sale not tied to my account A monthly XXXX statement A Midland-generated internal summary page A cover letter The packet did not contain any of the documents required to verify the debt, including : A signed application or contract A full chain of title An itemized transaction history A sworn business records affidavit from XXXX A sworn business records affidavit from Midland Today XXXX XXXX XXXX XXXX XXXX XXXX, referenced a file number, and stated that I should consider notice served. This is false and misleading. Under Texas Rule of Civil Procedure 501.2, a lawsuit can not be served by phone. This call misrepresented the legal status of the debt and appears to violate FDCPA 807 ( 2 ), 807 ( 3 ), 807 ( 10 ), and 809 ( b ). 

A lawsuit was filed against me, but it remains unserved, inactive, and pending in XXXX XXXX XXXX ( Case XXXX ). I have filed an Answer and alerted the court to safety concerns after improper service attempts. 

Despite a fraud alert on my credit file, repeated disputes, and my first CFPB complaint, Midland Credit Management continues to report the account inaccurately. XXXX  now reports the account as CLOSED, while XXXX  continues to list it as OPEN, resulting in inconsistent and inaccurate reporting. 

I am requesting that the CFPB investigate the ongoing collection activity, misleading statements about service of process, inadequate verification, and continued inaccurate credit reporting by Midland Credit Management and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation