vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MS

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
SUBJECT : URGENT DISPUTE AND DEMAND FOR IMMEDIATE DELETION OF UNAUTHORIZED HARD INQUIRY FCRA VIOLATION & INTENT TO REPORT TO CFPB Dear Credit Reporting & Compliance Department, I am writing to formally dispute an unauthorized and unrecognized hard inquiry placed on my credit report by your institution. I did not apply for, nor did I authorize, a credit card or any other form of credit transaction from your company. This inquiry is the direct result of either a serious reporting error or attempted fraud/identity theft. 
The details of the unauthorized inquiry are as follows : American Express Date of inquiry : XX/XX/year> Address : XXXX XXXX XXXX XXXX  XXXX, New York XXXX Phone number : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

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 2025-12-04 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: Kikoff Inc.
State: GA

Complaint narrative:
kick off is reporting inaccurate unverifiable account reporting no contract provided or verification kick off failed to meet requirements of the consumer law standards this violates 15 USC 1681s-2 im requesting full deletion of entire account the credit bureaus claimed the account was verified with no real investigation violates the 15 USC 1681i ) in my previous complaints and disputes I have asked for this account to be legally verified or removed and they have failed to do both

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-12-04 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: GA

Complaint narrative:
Dear XXXX, I am writing to dispute the following accounts on my credit report. These accounts are reported inaccurately, and I am requesting their correction as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Inquiries : XXXX  Date : 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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2025-12-04 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 bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-12-04 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: SC

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts on my credit report as inaccurate or incomplete. Below, I have provided the details for each bureau. 

Charged Off Accounts : XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXXXXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX & XXXX XXXX Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} Inquiries : AXXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Goldman Sachs Bank USA is being reported as the original creditor for an account that is fraudulent and does not belong to me. I notified Goldman Sachs and all three credit bureaus that I am a victim of identity theft and submitted an affidavit, supporting documentation, and a dispute under FCRA 609 ( a ) ( 1 ) and 605B. Despite receiving my identity theft report, Goldman Sachs has continued to allow this account to be furnished as valid.

Goldman Sachs has not provided any documentation proving that I opened, authorized, or used this account. They have not produced an application, contract, signature, IP address, device ID, phone records, or any evidence linking me to this alleged debt. They also failed to provide the source or method of verification they claim to rely on, as required under the Fair Credit Reporting Act.

Their continued reporting of an unverified, identity-theft-related account is harming my credit, financial opportunities, and creditworthiness. Goldman Sachs failure to conduct a reasonable investigation or provide validation is a violation of the FCRA and has allowed false information to remain on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: PNC Bank N.A.
State: TX

Complaint narrative:
The Social Security Administration added a large sum of money to my account on two separate dates. This was between XX/XX/year> and XX/XX/year>. In XX/XX/year>, I started getting calls about various items I had ordered, about which I had no idea the merchant was speaking. I'm XXXX  XXXX, so I don't handle any forms of money at all. I told the other account holder to review our account to identify the funds for unauthorized charges debited from the account since XX/XX/year>. We don't travel, but have charges with car dealerships in other states, XXXX or XXXX charges repeatedly ( We have our own transportation ), XXXX, and XXXX XXXX 's ; we don't shop. We have gotten invoices in other people 's names, although the payment shows it came from our account ( XXXX ), and just thousands of dollars in miscellaneous items. We went to the bank and reported everything, but through the investigation, it was said I was responsible. Please help me recover my money. I am XXXX and need those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Company Complained About : Experian Subject : Failure to maintain accuracy ; unlawful reinvestigation ; improper verifications ; Metro-2 violations ; refusal to provide 609 ( a ) disclosures. 
________________________________________ Summary of Complaint I am filing a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), including 602, 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 3 ) & ( b ).

Experian is reporting multiple accounts that are inaccurate, incomplete, unverifiable, re-aged, and nonMetro-2 compliant, despite multiple disputes.

These include : Three XXXX XXXX XXXX charge-offs An XXXX XXXX XXXXharge-off A XXXX  XXXX negative account Experian continues to verify these accounts using automated e-OSCAR responses, without obtaining actual documentation from furnishers, violating the reasonable reinvestigation requirement under 611.

Experian has also failed to provide 609 ( a ) ( 1 ) ( A ) source documentation, even when formally requested.

This is unlawful.

________________________________________ Detailed Narrative Experian is reporting several accounts with : Conflicting balances Inconsistent Date of First Delinquency ( DOFD ) Multiple charge-off dates Balance updates after charge-off Missing or incorrect Metro-2 fields Incorrect payment history coding Potential illegal re-aging Failure to mark accounts as disputed Verification done without documentation I sent Experian a detailed FCRA 609 ( a ) and 611 dispute letter requesting full documentation.

Instead of providing actual evidence, Experian simply marked the accounts as " verified, '' which violates : 611 ( a ) ( 2 ) : Reasonable reinvestigation 609 ( a ) ( 1 ) ( A ) : Full source disclosure 607 ( b ) : Maximum possible accuracy 602 ( a ) ( 1 ) : Fair and accurate reporting duty 623 ( a ) ( 3 ) : Duty to mark accounts as disputed Experians continued furnishing of unverifiable information is causing ongoing harm.

________________________________________ Applicable Violations FCRA 602 duty to maintain fairness & accuracy FCRA 607 ( b ) failure to maintain reasonable accuracy procedures FCRA 609 ( a ) ( 1 ) ( A ) failure to disclose data sources FCRA 611 unreasonable reinvestigation FCRA 623 ( a ) ( 3 ) failure to note disputes FCRA 623 ( b ) reinvestigation failure by furnishers, accepted by CRA Metro-2 Format Violations ________________________________________ Harm Suffered Negative impact on creditworthiness Higher interest rates Denied or unfavorable credit terms Emotional and financial hardship Inability to obtain optimal insurance/banking pricing ________________________________________

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a complaint against JPMorgan Chase Bank for providing misleading information, improperly closing my account, assessing fees after I paid the agreed balance, and sending an inaccurate balance to collections, which may harm my credit. 

Chase informed me that if I paid my unpaid account balance of {$350.00} before XX/XX/year>, my account would not be closed. I paid the full balance on XX/XX/XXXX, XXXX day before the deadlineexactly as instructed. 

Despite this, on XX/XX/year>, Chase assessed a {$15.00} service fee after my account had already been paid in full. That new fee created a negative balance that I had no ability to anticipate or prevent. Chase then used that fee-created balance as the reason to close my account, even though they had previously assured me they would not do so once the {$350.00} was paid.

When I contacted Chase to correct this issue, they refused to reopen the account and refused to reverse the fee, even though I met all requirements they gave me in writing and over the phone. They then sent the remaining {$13.00} ( the difference after applying my payment ) to collections.

This has caused or will cause the following harm : 1. Inaccurate negative information being reported to my credit.

2. Damage to my creditworthiness due to a balance that existed only because of Chases error.

3. Stress, financial disruption, and the burden of disputing a debt created entirely by improper handling of my account.

I am requesting that the CFPB investigate Chases actions and require them to : Remove the collection entry from my credit reports.

Correct any inaccurate reporting associated with this account.

Reverse the improper service fee.

Acknowledge and correct their failure to honor the agreement they provided regarding keeping the account open.

I acted in good faith, followed all instructions, and paid the required balance on time. The resulting closure and collection activity are due solely to Chases actions and misinformation.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation