vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHERRY TECHNOLOGIES INC.
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. Account number is XXXX and 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 2025-10-14 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: NC

Complaint narrative:
I am submitting this complaint due to materially inaccurate credit reporting of a tradeline that should have been deleted, per confirmation from the debt buyer ( XXXX XXXX XXXX ). 

The original creditor, XXXX XXXX, sold/assigned the account to XXXX XXXX XXXX XXXX XX/XX/XXXX. However, the tradeline on my credit report is still being reported by XXXX as a Charge-off, despite having a {$0.00} balance and being sold a violation of FCRA 623 and XXXX XXXX guidelines. 

I filed a complaint previously and XXXX responded stating that the tradeline was submitted for deletion on XX/XX/XXXX, with XXXX  numbers XXXX and XXXX. 

Despite this, XXXX is still furnishing data to the CRAs ( XXXXXXXXExperianXXXXXXXX  ), continuing to report a derogatory Charge-off status, which is misleading, inaccurate, and harming my credit profile. Under FCRA and XXXX XXXX, a debt that has been sold and is {$0.00} balance should be reflected as Closed/Transferred, {$0.00} Balance NOT an active charge-off. 

I am requesting immediate oversight by the CFPB to compel both XXXX and the XXXX to : Cease reporting this tradeline, Investigate this FCRA 623 ( a ) ( 1 ) ( A ) violation, Provide written verification of deletion, Review potential CRA violations under FCRA 611 for failure to reasonably investigate prior disputes. 

This issue has persisted since XX/XX/XXXX despite formal requests. If this is not resolved, I will consider additional action under FCRA 616617 for damages and legal costs.

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 2025-10-14 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I am submitting a formal complaint against [ Experian ] for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 

On [ XX/XX/year> ], I identified discrepancies in the following account : XXXX ( XXXX Bank XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, inconsistent with other bureaus and missing proof of the original consumer agreement. 
XXXX BANK Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reflects differing charge-off dates and status updates that appear unverifiable. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX, listed as a charge-off without adequate documentation or evidence that the account was validly reported. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the XXXX period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, my checking account at chase was charged twice by XXXX XXXX XXXX. 

My monthly insurance payment with XXXX is {$150.00}. However, despite already satisfying my monthly payment, XXXX deducted another {$150.00} out of my account without approval or authorization. 

Interestingly enough, when XXXX unnecessarily withdrew from my checking account without my authorization, chase then set up a XXXX in XXXX loan on my account for {$150.00}. 

In other words, even though XXXX had successfully withdrew {$150.00} twice ( I had balance remaining ) they claimed that I owed them {$150.00}, and that I must pay them back in XXXX installment payment. 


I had requested pay in XXXX plan before, but not this particular time! 

Upset, I contact chase bank about the issue. 


I explained that they were charging me for a loan I did not sign up for. I never asked for nor authorize chase to loan me money to pay XXXX for their card unauthorized transaction on my account.. 

So the chase rep decided to credit back to my account {$150.00} on XX/XX/XXXX, as a reversal claim on triple a for debiting my account on XX/XX/XXXX. 

However, despite my questioning, the rep could not explain why or how I had been signed up for a loan product I did not specifically request. 

Chase has been withdrawing money out of my account every XXXX weeks for this loan I did not specifically sign up for. 

I have called and spoken to other chase representatives, and no help. 

Therefore, I am asking that anything that has been deducted from my account for that XXXX in XXXX plan is placed back into my account. 

It is very dishonest of chase bank to sign up their customers for a loan product they did not ask for, and then continue to withdraw and deduct money for it. 

Total fraud, that is what it is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Starmark Financial LLC
State: TX

Complaint narrative:
On XX/XX/year> I sent a cease & desist letter to Starmark Financial, LLC. I have notified them to not send my information to any company that requested 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 2025-10-14 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: NC

Complaint narrative:
I am submitting this complaint due to materially inaccurate credit reporting of a tradeline that should have been deleted, per confirmation from the debt buyer ( XXXX XXXX XXXX ). 

The original creditor, XXXX XXXX, sold/assigned the account to XXXX XXXX XXXX XXXX XX/XX/XXXX. However, the tradeline on my credit report is still being reported by XXXX as a Charge-off, despite having a {$0.00} balance and being sold a violation of FCRA 623 and XXXX XXXX XXXX. 

I filed a complaint previously and XXXX responded stating that the tradeline was submitted for deletion on XX/XX/XXXX, with XXXX numbers XXXX and XXXX. 

Despite this, XXXX is still furnishing data to the CRAs ( XXXX ), continuing XXXX report a derogatory Charge-off status, which is misleading, inaccurate, and harming my credit profile. Under FCRA and XXXX XXXX, a debt that has been sold and is {$0.00} balance should be reflected as Closed/Transferred, {$0.00} Balance NOT an active charge-off. 

I am requesting immediate oversight by the CFPB to compel both XXXX and the XXXX to : Cease reporting this tradeline, Investigate this FCRA 623 ( a ) ( 1 ) ( A ) violation, Provide written verification of deletion, Review potential CRA violations under FCRA 611 for failure to reasonably investigate prior disputes. 

This issue has persisted since XX/XX/XXXX despite formal requests. If this is not resolved, I will consider additional action under FCRA 616617 for damages and legal costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-10-14 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: CA

Complaint narrative:
Dear CFPB : I am writing to bring to your attention Transunion 's failure and refusal to delete the collection activity record from my credit report despite presenting them with evidence that the Collection Agency has provided me with a documentation stating that the collection activity reported by XXXX XXXX XXXX XXXX should be deleted from my credit report. 

I would be grateful if you would bear influence on Transunion and the other credit bureaus to delete this record from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear CFPB : I am writing to bring to your attention Transunion 's failure and refusal to delete the collection activity record from my credit report despite presenting them with evidence that the Collection Agency has provided me with a documentation stating that the collection activity reported by XXXX XXXX XXXX XXXX should be deleted from my credit report. 

I would be grateful if you would bear influence on Transunion and the other credit bureaus to delete this record from my credit report.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I had a reasonable amount of fraudulent transactions on my account purchased purchases to somewhere I've never even heard of so I disputed the transactions and replaced my card and they denied my dispute which is impossible because I literally have no idea what the charges are it's obviously fraud and so after requesting all the information they used to make such a determination I was given no information and absolutely no recourse for continued resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: LEXISNEXIS
State: TX

Complaint narrative:
Complaint Against : LexisNexis Risk Solutions I am filing a complaint against LexisNexis Risk Solutions for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by reporting a XXXX record in my consumer file without disclosing or verifying the legal source of that information. 

I formally disputed this record in writing and requested a source verification and security freeze. LexisNexis failed to respond within the required XXXX period under FCRA 611 ( a ) ( 1 ). 

Additionally, I provided LexisNexis with documentation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas ) explicitly stating that they do not report or furnish any consumer information to credit reporting agencies. Therefore, LexisNexis is not obtaining this data from the original furnisher and is misrepresenting the origin of the public record in my file. 

I am demanding LexisNexis comply with the following FCRA requirements : FCRA 609 ( a ) ( 1 ) : Source Disclosure I request the exact name of the entity, person, vendor, or automated system that provided the XXXX information to LexisNexis, as well as the method and date it was obtained. General terms like public record or PACER are insufficient. 

FCRA 607 ( b ) : Reasonable Procedures I demand LexisNexis disclose the reasonable procedures it follows to ensure maximum possible accuracy in acquiring and reporting public records, especially when the court explicitly states it is not the source. 

FCRA 610 : Disclosure of Third Parties I request a list of all third parties, vendors, or customers to whom this XXXX data has been shared, sold, or accessed including names and dates of access. 

XXXX refusal to respond and failure to verify the origin of this record raises serious legal concerns and demonstrates noncompliance with the FCRA. I am requesting the CFPB to investigate this matter, compel LexisNexis to disclose the source, and require deletion of the XXXX record unless it can be fully verified from the original furnisher in accordance with the law. 

I am also requesting the CFPB preserve this complaint for the record, as I am considering further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax is reporting all of my accounts But is not reporting my birthday which is XXXX  how is it possible that my accounts are reporting but not my birthday you need a birthday in order for creditors to report accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OR

Complaint narrative:
There appears to be a serious bank error related to billing and reporting on my account that is unfairly harming my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, yet the payments I made were not properly recorded, and there are clear miscalculations in the reported balance. Furthermore, I was not provided with the required XXXX notice before the payment due date, which makes any late payment notation invalid. These inaccuracies have caused unnecessary damage to my credit profile and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
THE REPORTED DELINQUENCY IS INACCURATE AND MUST 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
To Whom It May Concern, This letter is in reference to my prior request for full verification of the alleged debt associated with the account XXXX XXXX, which you are reporting to one or more consumer reporting agencies. You recently responded to my verification request ; however, the information you provided does not meet the standards required under the Fair Credit Reporting Act ( FCRA ) and does not constitute adequate proof of the validity of this debt.

Under the FCRA, 15 U.S.C. 1681i and 1681s-2, furnishers are required to conduct a reasonable investigation and provide verifiable documentation when the accuracy of reported information is disputed. Proper verification requires that you provide : A complete account history showing the date the account was opened, the dates and amounts of all payments and charges, and the date of first delinquency ( if applicable ). 

Copies of any signed agreement or contract bearing my signature that you allege authorizes this debt. 

Documentation showing that you are legally authorized to collect this debt on behalf of the original creditor ( including assignment, bill of sale, or chain of title, if applicable ). 

The name ( s ) of any consumer reporting agencies to which you reported the account, if not already disclosed. 

Your response failed to include any of the above items. Providing a simple statement that the account has been verified or sending screenshots or billing summaries from your internal system does not meet the FCRAs verification requirement. Without these documents, your continued reporting of this alleged debt constitutes the furnishing of inaccurate and unverifiable information, in violation of the FCRA. 

Accordingly, I am demanding that you : Conduct a proper and complete reinvestigation of this account ; Provide all required supporting documentation as outlined above ; or Immediately delete this account from all consumer reporting agencies to which it has been furnished. 

Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for willful noncompliance with the FCRA. 

Please respond in writing within 15 business days of receiving this letter with full documentation or confirmation of deletion.

Company response to consumer: Closed with explanation