vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: PA

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 2025-10-01 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:
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 2025-10-01 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Received a message that suspected fraud happened approximately 6 months ago.. Denied the charge on the message and froze card. Started the dispute claim and-won the decision ( received the letter and account noted ). We have called customer service/XXXX department XXXX XXXX times because the charge still shows as being due. We have XXXX balance. Each time we called we are assured it has been taken care of. Please help before it begins collection. Thank you

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 2025-10-01 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: PA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Being sued was going client until financial hardship, now being sued without even trying to reach resolution called the law firm and was denied the opportunity to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I have previously disputed with EXPERIAN regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-10-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed on my bank account there were XXXX unauth charges on XX/XX/XXXX. The charges were from a XXXX XXXX XXXX XXXX XXXX XXXX {$73.00} and another XXXX 's XXXX XXXX for {$70.00}. I looked them up they are gas stations in PA. They gave me a temp credit back then and mailed me a new debit card. Now as of XX/XX/XXXX I noticed XXXX reversals that put me negative. Those were for the {$73.00} and {$70.00} credit. I called Chase Bank asked them what this was. They told me after their investigation they didnt see proof these weren't my charges. They stated I would need to send them proof these were not mine.They stated these charges were done with XXXX. So I sent them like XXXX items of proof. I sent them the location of the stores Im in Texas. Also we have gas stations here, I sent the my work schedule proving i worked on that day, I sent them my bank statement for that month that will show no debits or charges on that date, I also sent them my XXXX XXXX history again only XXXX transaction in XX/XX/XXXX. I called back got a supversior and said that they are just now reopening the closed complaint and will be 5 days. So now I have again been hit with XXXX more OD charges. They didnt open this on Monday when I called. IM over it I need my money back asap this is very stressful on me Im doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I was notified on XX/XX/year> that there was a shortage to my escrow account and that my monthly payment would increase by {$700.00} per month. PennyMac originally stated that the shortage was due to a supplemental tax bill but I later found out its due to a late payment + interest from the county which is not responsible. PennyMac will not own up to this mistake and I feel like Im being take advantage of and that this is plain and simple fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
Kindly observe XXXX U.S. Code XXXX and take down the disputed accounts within the legal deadline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica
State: AL

Complaint narrative:
My XXXX money was stolen from my XXXX XXXX card this morn XX/XX/year> and I call XXXX XXXX to see where my money went to they said whatnot took all my money I told them I never heard of the app an I want to dispute so I can get my money back but the lady was rude an said we cant refund ur money back Im like well you can see I didnt made the purchase that was my bill money they took the whole {$960.00} and I dont understand how XXXX XXXX couldnt get my money back if they dispute the transaction that whatnot kept makin on my account to all my money was gone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: FL

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 2025-10-01 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

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 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint and dispute concerning the reporting of a collection account by XXXX XXXX XXXX XXXX ( XXXX ). The account information is inaccurate, unverifiable, and in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Creditor/Collector : Fair Collections & Outsourcing Date Opened : XX/XX/year> Reported Balance : {$16000.00} Status : Open / Placed for Collection Remarks : Account information disputed by consumer Violations of Federal Law 15 U.S.C. 1681s-2 ( b ) ( FCRA ) : Furnishers are required to conduct a reasonable investigation of disputed information. XXXX has failed to provide adequate validation and continues reporting unverifiable data. 

15 U.S.C. 1681i ( FCRA ) : Credit reporting agencies are required to reinvestigate disputed accounts. The reinvestigation of this account was inadequate and left inaccurate information in place. 

15 U.S.C. 1681e ( b ) ( FCRA ) : CRAs must follow reasonable procedures to assure maximum possible accuracy. The continued reporting of this balance without supporting documentation demonstrates non-compliance. 

15 U.S.C. 1692g ( b ) ( FDCPA ) : Once a consumer disputes a debt, the collector must cease collection and reporting until validation is provided. XXXX has failed to provide proper validation but continues to report. 

15 U.S.C. 1692e ( FDCPA ) : It is unlawful to use false, deceptive, or misleading representations in connection with debt collection. Reporting an alleged balance without proof of validity constitutes a violation. 

15 U.S.C. 1681c ( a ) ( 4 ) ( FCRA ) : Prohibits reporting obsolete or unverified information. Without verifiable documentation, this account should not appear on my credit file. 

Requested Resolution I respectfully request that the CFPB require XXXX XXXX XXXX XXXX and the credit reporting agencies to : Provide full documentation proving the validity, ownership, and enforceability of this debt, including the original signed agreement and itemized accounting. 

Immediately delete this account from my credit reports if such proof can not be provided. 

Cease all reporting and collection activity until compliance with federal law is met. 

Provide written confirmation of the results of this action. 

Attached are my credit report excerpts and identification for reference. 

Thank you for your immediate attention to this matter. I expect confirmation once the investigation is complete.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Lac Courte Oreilles Financial Services II
State: NV

Complaint narrative:
The company is drafting payment on Thursday when the contract states Friday. I a Have also requested a XXXX for us consecutive days and they call me daily between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: VA

Complaint narrative:
Loan modification was completed on XX/XX/year>. Account has yet to be brought current all payments concerning completed loan modification have yet to be applied. Company is reporting account as 9 months delinquent via credit report. I'm interested in refinancing with another company, being held hostage by this company/investor since account is not updated and unable to pull payoff on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Oh XX/XX/year>, I was told legal services would be provided for a specific case. After processing amount, merchant advised that a different legal service would be provided, not agreed upon initial conversation. Same day, I requested a full refund as I was not moving forward with the service. I was advised that it would not be refunded. I asked why if I was not receiving legal services. I was not responded to after this request. I disputed the transaction with Truist bank, who failed to successfully investigate and credit my account. I have not signed any binding contracts with merchant and requested a refund on same day it was processed.

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and capable of verification. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or deleted.

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 2025-10-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NH

Complaint narrative:
My Progressive auto rate is increasing because the XXXX  report from LexisNexis shows an at-fault accident on XX/XX/year>. XXXX was my insurer at the time and found me not-at-fault ( Progressive Claim : XXXX ). I contacted LexisNexis to remedy the erroneous information on XX/XX/year>, and on XX/XX/year> received a blanket email that they could not verify my identity and that possibly I may need to provide various forms of ID, including my passport page and telephone bill with full address from within 2 months. I provided both on XX/XX/year> under case XXXX. On XX/XX/year>, they sent me the same email letter, verbatim, with no additional information, simply suggesting I may need to verify my identity. Also on XX/XX/year>, I inquired why my identification forms were insufficient, and receiving no response again, sent yet another message today XX/XX/year> informing them that I would be filing this complaint for two reasons : XXXX ) the data they maintain is incorrect and has caused my auto insurance rates to increase, and XXXX ) their unwillingness to even respond is unhelpful, unprofessional, and has caused me strife and hassle in trying to correct their erroneous data. 

Progressive Claim : XXXX LexisNexis XXXX : XXXX

Company response to consumer: Closed with explanation