vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint regarding an account that is inaccurately reported on my credit file due to a data breach and failure to safeguard 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 2025-09-15 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Credit is attempting to collect a debt that I do not owe and has inaccurately reported this to my credit report without providing prior notification. If this erroneous entry is not removed from my report within 30 days, I will be forced to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
AROUNDTHE BEGINNING OF THE MONTH I NOTICED THAT I HAD SOME FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN CREDIT REPORT, I CONTACTED EXPERIAN IMMEDIATELY. ON XX/XX/year> I SENT IN MY DOCUMENTATION AND PROOF OF MY IDENTITY BEING STOLEN TO EXPERIAN VIA DIRECT UPLOAD TO THEIR SITE. I WAITED A FEW DAYS, I CONTACTED THEM ON THE XXXX AND THEY INFORMED ME THE DRIVERS LICENSE WAS NOT LEGIBLE. I OPENED A NEW DISPUTE WITH THEM, AGAIN THEY SAY MY LICENSE IS NOT LEGIBLE. I RE UPLOADED ALL THE DOCUMENTS TWICE AND THE YGIVE ME THE SAME RESPONSE WITH MY DRIVERS LICENSE. THESE ACCOUNTS REPORTING ON MY CREDIT REPORT ARE DAMAGING MY ABILITY TO BE A PRODUCTIVE CITIZEN TO SOCIETY. I HAVE UPLOADED THE DOCUMENTS HERE AS WELL.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

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 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The company alleges that I owe for lapsed car insurance : 1 ) I never entered into an agreement for car insurance with CCS and never heard of the company or ever been in a agreement with them 2 ) I always had car insurance and there never was a lapse.

3 ) company can not prove there was a lapse in car insurance, and I was always up todate on my payments. 

this is what I am requesting as they have not gotten me these documents to further address this issue : I have no knowledge or you company and never entered into a contract or agreement with XXXX XXXX  and do not owe this debt and disputing it validity. To properly address this issue I'm going to require per the FDCPA and FL guidelines to : 1 ) Name and address of the original creditor 2 ) The amount of the alleged debt and how it was calculated through the entire life of the account insurance 3 ) Itemized Statement of the alleged debt including amount of insurance coverage and declaration pages made from the date the account was said to be opened 4 ) Proof of authorization to collect the alleged debt on behalf of the creditor 5 ) Complete and full purchase agreement amount of alleged debt for review including complete chain of title.

6 ) Verification of debt is within the statue of limitation 7 ) Exact dates of coverage and cancellation date 7 ) Alleged debt was not already put illegally on credit report an removed by prior companies 8 ) How notice if this debt was sent or notified to me 9 ) Contract you have with me that I entered into this debt with XXXX  XXXX  and where in writing that I signed a contract 10 ) Names of individuals/persons servicing this account for discovery purposes on handling the the alleged debt as they will be called upon to appear

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I notified Discover of the death of the card holders via certified mail on XX/XX/XXXX. I continued to received emails about redeeming rewards etc. I sent another certified mail on XX/XX/XXXX with the same information pertaining to the deaths of the cardholders. I then received a letter from Discover around XX/XX/XXXX pertaining to this Discover card. I followed up to XXXXCapital One a certified letter with the same information about the Discover card holders deaths. All letters are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am a victim of identity theft. There are dozens of inquiries on my account that should not be there. There are also negative line items that are not mine. I have sent certified letters asking the be corrected and removed. They have not been. As well, the credit bureau have suffered data breaches and I gotten an alert from a different company my information is on the dark web.

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 2025-09-15 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: DE

Complaint narrative:
I am a victim of identity theft. There are dozens of inquiries on my account that should not be there. There are also negative line items that are not mine. I have sent certified letters asking the be corrected and removed. They have not been. As well, the credit bureau have suffered data breaches and I gotten an alert from a different company my information is on the dark web.

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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My checking account was accessed by somebody that I did not authorize. The bank transferred the money ( {$98000.00} ) to a person I did not authorize to received it. After calling the Bank Fraud Department several times, I was able to find out the money was sent to a XXXX XXXX at XXXX XXXX  in Reading XXXX. The routing number is XXXX the last XXXX digits of the account number is XXXX. This was taken from our bank account at Bank of America on XX/XX/year>. We went to the bank to question this transaction and advise that there was no activity on the account. We have text messages indicating denial of this transfer on XX/XX/year>. The bank put stop payments of bills on the wrong checking account, not the one involved in the transfer of {$98000.00}. This has caused bills not to be paid on time. I did not have any indication that this happened until I started receiving late payments for bills in the mail. We went to the bank to question why this was done on this account. They agreed a mistake was made and would try to remedy this situation. 

The reason for this complaint is because we are not getting a straight answer on how this transfer happened and when/if they are going to reimbursement the account ( {$98000.00} ).

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 2025-09-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite multiple disputes, Equifax has failed to conduct a reasonable reinvestigation and continues to report inaccurate, misleading, and unverifiable information on my credit file.

1. Failure to Correct Inaccurate Information Equifaxs reinvestigation results dated XX/XX/year> show multiple accounts marked verified as accurate, including but not limited to : - XXXX XXXX / XXXX XXXX ( XXXX  XXXX ) - XXXX  ( XXXX XXXXXXXX ) - XXXX XXXX ( XXXX  XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  ( XXXX  XXXX ) - XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX - XXXX ( XXXX  XXXX ) - XXXX XXXX ( XXXX  XXXX ) XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX Bank These tradelines remain with charge-off status while still reporting an active balance owed. A charge-off means the original creditor wrote off the account as a loss. Reporting both a charge-off and an outstanding balance is contradictory, misleading, and does not reflect the true legal status of the account. This practice violates FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy.

2. Inconsistent Reporting Across Bureaus The same disputed accounts were deleted from XXXX, yet Equifax continues to report them as verified. This inconsistency demonstrates that the data is unreliable and unverifiable. If one nationwide CRA can not verify the accounts and removes them, another CRA can not continue to report them without documentary proof. 

3. Lack of Proper Verification Equifax has not provided the method of verification or documentary evidence from furnishers, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Simply restating verified as reported does not satisfy the legal requirement for a reasonable investigation. I am entitled to know : - The business name, address, and telephone number of each furnisher contacted ; - The documentation furnished to Equifax to verify the accounts ; and - Copies of original signed contracts, account applications, or other instruments bearing my signature.

- 4. Violation of FCRA By failing to : - Remove unverifiable information, - Report consistent and accurate data, and - Provide the method of verification, Equifax is in violation of the FCRA 1681e ( b ) and 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
On XX/XX/XXXX, I was issued a Chase Sapphire XXXX Credit Card ( XXXX ). On XX/XX/XXXX, a charge was made in the amount of {$400.00} to XXXX XXXX XXXX XXXX ( XXXX ). The card was closed on XX/XX/XXXX. However, XXXX cancelled on XX/XX/XXXX. The payment was refunded to this card. However, since card was closed, a call was placed to Chase to request refund via check. Is spoke to XXXX at XXXX. Her response that have no records of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as 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 explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 2025-09-15 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: TX

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2025 i was over the limit by XXXX dollars and was brought to a positive balance soon afterwards and was charged multiple overdrafts after the account was in good standing.i called the bank to rectify the situation but was denied.

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 2025-09-15 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:
My financial strengths are not evident in the credit review.

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 2025-09-15 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-15 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: GA

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 2025-09-15 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:
The evaluation fails to include key financial facts about me.

Company response to consumer: Closed with non-monetary relief