vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 non-monetary relief
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX # XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-09 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
FORMAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT COLLECTION/CHARGE-OFF ACCOUNTS To Whom It May Concern, I am writing to formally dispute the collection/charge-off accounts appearing on my credit report, which are directly tied to the National Public Data Social Security Number Breach. These accounts are fraudulent, and I demand their immediate removal from all credit reporting agencies.

The accounts in question are : Account Name : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that are now impossible to ignore, as they continue to damage my credit standing and prevent me from achieving financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to reach a human representative. Experians automated phone system traps me in loops, refusing to connect me to an agent for over an hour despite repeated attempts on multiple numbers. This is obstructing my legal right to manage my credit file and security freeze. None of the bots options help me with my needs they have an old email that no longer exist and neither does phone number thats on file so im just stuck in a loop and every number I call on experians website have the exact same bot with same loop

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 2025-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Braviant Holdings, LLC
State: AR

Complaint narrative:
Complainant Name : XXXX XXXX XXXX of Complaint : XX/XX/year> Subject : Aggressive, Threatening, and Unlawful Debt Collection Conduct by XXXX XXXX XXXX XXXX Debt Collector : XXXX XXXX XXXX XXXX Original Creditor : Balance Credit Complaint Narrative : I am filing this complaint to formally report XXXX XXXX XXXX XXXX for unlawful, abusive, and threatening debt collection practices that I believe violate multiple federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX XXXX XXXXXXXX XXXX and Consumer Protection Act. 

XXXX XXXX XXXX XXXX has contacted me regarding a debt originally owed to Balance Credit, which is currently being handled through a debt resolution program administered by XXXX XXXX XXXX my authorized and legally recognized representative. Despite this : XXXX XXXX XXXX XXXX has repeatedly contacted me directly, fully aware that I am represented by a debt relief firm. 

Their communications have been intimidating and threatening, including references to potential legal action, without any supporting documentation, court filings, or lawful validation of the debt. 

They have not provided proper debt verification in accordance with the FDCPA, despite my right to dispute the validity of the debt and demand proof. 

Their actions appear to be part of a calculated effort to bypass lawful consumer protections and pressure payment through fear and confusion. 

These tactics are not only unprofessional and aggressive, but they may also constitute deceptive and abusive conduct under federal law. They undermine my good-faith efforts to resolve my financial obligations responsibly through a legally authorized debt settlement process. 

Key Violations and Concerns : Direct contact despite third-party representation ( FDCPA 805 ( a ) ( 2 ) ).

Use of deceptive, misleading, or threatening language intended to create fear of legal consequences without due process ( FDCPA 807 ).

Failure to provide proper written debt validation notice within 5 days of initial contact ( FDCPA 809 ).

Unfair or unconscionable means to collect or attempt to collect a debt ( FDCPA 808 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my checking account ending in XXXX unexpectedly on XX/XX/year>. They declined to provide me a reason. As a result, damages were procured in late payments to my credits and a huge negative hit to my credit score. I have also filed a complaint against the branch manager declining to help me and making racist remarks against their own company representatives that advised them to withdraw my funds for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AR

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 explanation
Consumer complaint received 2025-07-09 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-09 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: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-09 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: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-09 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX {$7200.00} XXXX XXXX XXXX {$7800.00} XXXXXXXX XXXX {$2300.00} XXXX XXXX  {$1400.00} XXXX XXXX  {$1200.00} XXXX XXXXXXXX XXXX XXXX {$500.00} XXXXXXXX XXXX  {$26000.00} XXXX XXXX  XXXX {$25000.00} XXXXXXXX XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX {$500.00} XXXX XXXX {$550.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$970.00} 15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
On XX/XX/year>, I filed a formal dispute with American Express regarding a charge of {$590.00} from the merchant XXXX XXXX. I had canceled the reservation and never used the stay ; however, I was still charged.

I attempted to resolve this issue directly with XXXX in a respectful and amicable manner. Unfortunately, instead of providing assistance, XXXX responded to me with insults and mockery, which I find completely unacceptable and highly unprofessional.

I provided American Express with all supporting documentation, including proof of the cancellation, XXXX cancellation policy confirming my right to a refund, communications with XXXX, and evidence that I did not use the accommodation.

Despite this, American Express concluded the dispute in favor of the merchant and stated that the charge was valid. As a responsible customer who has never missed a payment, I believe it is unjust and unreasonable to be held financially responsible for a service I did not receive.

I respectfully request your intervention in this matter to ensure that my rights as a consumer are protected and to assist in reaching a fair resolution. I am willing to provide any additional documentation or evidence you may require.

Thank you for your time and consideration. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI BANK FRAUD CASE # XXXX & XXXX XX/XX/year> I made a wire transfer in the amount of {$250000.00} from my checking account. 
XX/XX/XXXX I made a wire transfer to another individual purchase of another XXXX 18 month XXXX XXXX  for the amount of {$180000.00}. 
Both transactions were discovered SCAM. I have Case number from XXXX XXXX and reported to XXXX /FBI As requested XXXX am not givingfurther 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 monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that are now impossible to ignore, as they continue to damage my credit standing and prevent me from achieving financial stability.

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 2025-07-09 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:
XXXX XXXX XXXX  issued me a credit card in XX/XX/year>, but I was never able to use it because I couldnt pass their identity verification process. I called to close the account, and a representative confirmed it would be closed with no charges owed. I never activated or used the card, and they told me I would not be billed. Despite this, XXXX XXXX later reported a {$140.00} balance and a {$60.00} past due status to the credit bureaus. This information is inaccurate and has negatively impacted my credit score. I am disputing this because I never used the account, and I was told I had no financial obligation. This is unfair and misleading under the Fair Credit Reporting Act.

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