vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/year>, I contacted the following debt collection companies and requested validation of the alleged debts pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ). Specifically, I requested a physical copy of my signature on any documents that prove the debts are mine. 

Midland Credit management {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I take pride in maintaining a good payment history. This late payment seems inconsistent with that and should 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/year>, we reported a fraudulent charge on our account. Following U.S. Bank 's advice, we opened a new account and were falsely assured the fraudulent transaction was " intercepted. '' This was untrue. On XX/XX/XXXX, U.S. Bank debited the full fraudulent amount from our new account. For the last month, the bank has made numerous excuses for not returning our money. They initially blamed their own branch for procedural errors. Then, they claimed to have mailed a check on XX/XX/XXXX, which never arrived ; we use USPS Informed Delivery and can confirm it was never sent. They even attempted to blame us by suggesting our address was wrong, which is false as we receive all other bank mail successfully. 
As of today, XX/XX/XXXX, U.S. Bank admits the original merchant has refunded them the money, yet they are still holding our funds. They illogically claim that while they can electronically debit our account, they can not electronically deposit our refund. During our call today, a fraud manager hung up on us. A U.S. Bank representative has previously admitted our claim was handled " oddly and outside of normal procedures. '' The charge was for XXXX XXXX Funds were withdrawn from new account 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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of a scam that caused me to lose {$1900.00}, and despite later providing proof from the FTC and police, Chase has not reimbursed me. My payment was only made because I was misled and pressured by a fraudster it was not a true, informed authorization. 

On XX/XX/year>, I was tricked into transferring {$1900.00} after a scammer fabricated an urgent emergency involving my pets safety. I did technically authorize the payment, but my consent was obtained through fraudulent misrepresentation and coercion. 

On XX/XX/year>, I filed a fraud claim with Chase Bank ( Claim # XXXX ) without uploading any supporting documentation at that time. On XX/XX/year>, Chase denied my claim, stating the transaction was authorized because no one had logged into my account without permission. On XX/XX/year>, I requested a second review and uploaded supporting documentation, including FTC Case # XXXX and Police Report # XXXX, proving that my authorization was obtained under false pretenses.

Chase is still reviewing my case, but I am filing this CFPB complaint now because my claim was initially denied without a proper investigation, and I want to ensure my second review is handled promptly, thoroughly, and fairly.

Chase failed to : -Conduct a reasonable investigation into the fraudulent inducement.

-Consider consumer protections related to unfair or deceptive practices.

-Provide adequate fraud-prevention measures for high-risk transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: RI

Complaint narrative:
I first requested verification of this account in XX/XX/year>. As of today, XXXX XXXX XXXX, XXXX, has failed to provide a signed contract, complete application, or any admissible evidence linking me to the alleged debt. The only documents provided were generic ( e.g., a single page of an application and a few statements ) that do not establish ownership or liability.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ( b ) ), furnishers must conduct a reasonable investigation and provide actual proof to the credit bureaus. Reporting without such proof is inaccurate and unlawful. XXXX has had well over the 30 days allowed by law to verify this account and has refused to provide adequate documentation. 

Requested resolution : I request that the CFPB direct XXXX  to require XXXX to : Delete the tradeline from all credit reports for failure to verify within the statutory period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is a collection on my credit report that is incorrect. The account for XXXX XXXX in the amount of {$2600.00} was dismissed in court on XX/XX/XXXX CASE # : XXXX XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX I have reached out multiple times as well as have been disputing this for years. It is illegal for this to remain on my account further per : Fair Credit Reporting Act 15 U.S.C. -Sections 1681i ( a ) stating this must be removed from my credit report within 30 days of being disputed if proven inaccurate. I disputed this XX/XX/XXXX. 
-Section 1681s-2 ( a ) stating collectors and creditors can not report information they know or should know is inaccurate. I have provided the court documents proving the information is not accurate and therefore must be removed.

-Section 1681 s-2 ( b ) stating once notified, a furnisher must investigate and correct or remove inaccurate data.

-Section 1681e ( b ) stating credit bureaus must follow reasonable procedures to ensure information is accurate before reporting it.

Fair Debt Collection Practices Act - 15 U.S.C.

-Section 1692e stating a collector can not misrepresent the amount, status or legal enforceability of a debt.

-Section 1692f prohibits unfair means to collect a debt, such as reporting a debt that is not legally owed or ALREADY DISMISSED. This debt was dismissed XX/XX/XXXX. Over 5 years ago. 
-Section 1692g ( b ) stating if you dispute a debt in writing within 30 days of initial contact, the collector must CEASE COLLECTION AND VERIFY before continuing reporting. This matter was disputed in writing XX/XX/XXXX. Almost 90 days ago, yet still remains on my credit report. 

I have waited longer than I am even legally required to do. At this time I need this immediately removed 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX regarding inaccurate and misleading reporting of a closed, paid collection account originally opened in XXXX. 

I had an agreement with the original creditor that upon payment in full, this account would be removed from my credit report. I fulfilled my part of that agreement and paid the balance. Despite this, XXXX continues to report the account. 

Additionally, XXXX is reporting a 120-day late payment status on this account. However, the payment history section does not reflect when this alleged delinquency occurred, making the reporting incomplete and misleading. Under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to ensure the maximum possible accuracy and completeness of all furnished information. 

I am requesting that XXXX provide verifiable proof of this 120-day late status, including dated statements or payment records showing when and how the delinquency occurred. If XXXX can not produce such proof and in light of the prior removal agreement I am requesting that this account be deleted from all consumer reporting agencies immediately.

This inaccurate and noncompliant reporting is causing harm to my credit profile and directly violates the terms of the agreement made with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TN

Complaint narrative:
I have a charge on my account in the amount of XXXX from a XXXX XXXX. I have disputed it with cash app 2 times and done this immediately. They have denied my dispute each time. This was clearly a company that is a scam it states it all over the internet. I attached a screenshot of what I could find in the internet and sent to cash app but it seems they are not interested in helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: IL

Complaint narrative:
On XX/XX/year>, I

contacted the following debt collection companies and requested validation of the alleged debts pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ). Specifically, I requested a physical copy of my signature on any documents that prove the debts are mine. Jefferson Capital Systems {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CT

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-13 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: CT

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. The late payments currently reflected on my credit reports are factually inaccurate and unverifiable. Pursuant to 15 U.S.C. 1681i ( a ), you are obligated to conduct a prompt reinvestigation and delete any information that can not be verified as accurate. Failure to comply is a direct violation of federal law and my consumer rights. I demand the immediate removal of these erroneous late payment entries from my TransUnion, XXXX, and XXXX  credit files without delay.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute to Equifax regarding several accounts that are either inaccurate, incomplete, or can not be verified. I provided sufficient details and evidence to support my claims, yet Equifax did not correct or delete these items. These accounts continue to appear on my credit report, harming my credit score and financial standing. This failure to act violates Equifaxs obligations under the Fair Credit Reporting Act ( FCRA ) to investigate disputes and ensure the accuracy of the information they report.

Company response to consumer: Closed with non-monetary relief