vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX, there was 2 duplicate charges from an ATM charged against my account. I only made one withdrawal. To the history of my account with chase, you will see that there is never duplicate withdrawals within moments or back-to-back or at anytime, I explained to them that I had only been paid once that I had done a balance inquiry and then a withdrawal one was for XXXX and XXXX was, for XXXX believe Each of these charges have different transaction numbers. When I first called to file the complaint, they credited me back. One of them because XXXX is valid. One is not shortly after I got a denial. They said that it was XXXX. I did not understand the process I called. I was really obsessed. I live in poverty and I am no way made 4 trunks withdrawals. That day, for the exact same amount, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time, I got just a basic customer service who told me that was it that was the end of the investigation? I demanded to speak to a supervisor the supervisor then informed me that they can only investigate one transaction number at a time, so therefore I need to reopen and they'll investigate the second withdrawal on each of these amounts and she asked me to go to a branch and fill out a form I went to a branch. I am, they have no idea what I was talking about. What they called, they got this form, but it had the same transaction numbers. We scribbled that out with the bank manager or customer service, and we put in the proper new transaction numbers. Shortly after that, I get another denial, but it was the same transaction numbers that they investigated before had to redo it again, went into the bank. Did all of this again denied same transaction numbers. Now it's going on to maybe 2 and a 1/2 months. They closed the case, I had to reopen it within a day and a 1/2, they come back and said that the new transaction numbers were valid. This is not true. I filed fraud, I closed my card, I there, I did not receive a XXXX and a XXXX nor did I receive a XXXX and a XXXX like I said, I told them over and over again, I did a balance inquiry and one withdraw. Now, if there was a reader or something in the the ATM machine. I have no idea, but I did not get paid. This money. 
And I've made it clear and I've been fighting this now. It is XX/XX/XXXX, so XXXX XXXX, XXXX, XXXX  4 months. I want my money back. I'm now overdrawn. I live on minimal social security. So when I get my social security, I wouldn't even have my rent money. They did not investigate this. They did not look out for my best interest. I am telling them for 4 months and they keep investigating the same numbers. They can't even do their jobs right. And the you're gon na tell me that I. I don't know what amount of money I actually received like I said you can review my whole history on my bank account. This has never happened. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concord Servicing Corporation
State: NV

Complaint narrative:
XXXX is reporting a fraudulent account XXXX on my credit file, even though I am a confirmed identity theft victim per FTC Report # XXXX XXXX XXXX. I did not authorize or open this account. The fraud began around XX/XX/XXXX, and I discovered it in XX/XX/XXXX. 

I have already provided the bureaus and furnishers with an FTC ID Theft Report, yet XXXX is still reporting this item. This violates : FCRA 605B failure to block identity-theft information FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate FCRA 611 improper reinvestigation FACTA identity theft obligations This fraudulent account continues to damage my creditworthiness, ability to secure safe housing, and overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-26 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: FL

Complaint narrative:
These accounts are not mine wish to be removed from my credit reports XXXX XX/XX/XXXX balance. XXXX date open. XX/XX/XXXX, XXXX XXXX, account # XXXX, balance XXXX date open XX/XX/XXXX 2025

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 2025-11-26 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:
These accounts are not mine wish to be removed from my credit reports XXXX XX/XX/XXXX balance. XXXX date open. XX/XX/XXXX, XXXX XXXX, account # XXXX, balance XXXX date open XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
There are two accounts reporting to my credit report as navy federal stated years ago on the phone to remove those account as they are incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Account Midland Credit Management # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
I am filing this complaint because Experian and XXXX XXXX XXXX are unlawfully reporting six ( 6 ) XXXX XXXX credit card accounts on my personal consumer credit report, even though these are strictly commercial accounts that do not fall under the Fair Credit Reporting Acts definition of a consumer credit transaction. My Experian report dated XX/XX/year> shows these accounts with severe derogatory information, including 120+ day past-due statuses, charge-offs, and high balances. Each account is clearly marked by Experian as a BUSINESS CREDIT CARD with Commercial terms, yet they have been placed on my personal consumer file and assigned as my individual responsibility, which is false, misleading, and prohibited under FCRA 603 ( c ), 603 ( d ), 604, and 607. Experian does not have a permissible purpose to report commercial debts, and XXXX can not legally verify consumer liability because no consumer contract, personal guarantee, consumer credit application, or FCRA-qualifying documentation exists. Despite these accounts being strictly commercial, their reporting has caused significant harm, including credit score drops, loss of financing opportunities, business disruption, increased credit costs, and emotional distress. Experian and the furnisher have failed to meet their obligations for maximum accuracy and proper reinvestigation under FCRA 607 ( b ) and 611. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-26 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: NC

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-26 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: MO

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: OneMain Finance Corporation
State: VA

Complaint narrative:
XX/XX/year> : I am a victim of identity theft and fraud, someone used my credit cards to mane payments then reverse payments to ruin my credit. Which they successfully did just that. They will not take the fraud off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity and accuracy of the collection account your company is reporting about me. This letter is provided pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Request for Validation of the Alleged Debt ( FDCPA 809 ) Under FDCPA 809 ( 15 U.S.C. 1692g ), I request that you provide complete validation of this alleged debt, including : A copy of the original signed contract or agreement bearing my signature The name and address of the original creditor A full itemized accounting showing how the amount was calculated Documentation proving you have legal authority to collect this debt Proof that you are licensed to collect in my state ( if applicable ) Until you provide complete validation, you must cease all collection activity, including reporting or verifying this account with credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX  XXXX XXXXXXXX XXXX with lates reported as XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-11-26 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: NJ

Complaint narrative:
I dispute multiple inaccurate and unauthorized items on my credit report. These accounts are not mine and reporting them violates FCRA 609, 611 and FDCPA 809. I demand immediate deletion and written confirmation. 

Address : XXXX XXXXXXXX XXXX XXXXXXXX, NJ, XXXX FCRA Section 1681e ( b ) reporting incorrect address This address is not associated with me and its presence on my credit report is a clear violation of my rights under FCRA. I request it be removed immediately. 

Account : XXXX  XXXX XXXX Open Date XX/XX/XXXX High Balance {$2100.00} FCRA Sections 1681i ( a ), 1681e ( b ) inaccurate account/charge-off I have no knowledge of this XXXX  XXXX account. The charge-off is false and damaging to my credit profile. Reporting an account I did not open violates my rights under FCRA. I demand deletion. 

XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$500.00} FCRA Sections 1681i ( a ), 1681s-2 ( b ) inaccurate late payment I have never made a late payment on this account. The reported delinquency is inaccurate, misleading, and harms my creditworthiness. I demand correction of the payment history to reflect accurate, on-time payments. 

XXXX XXXXXXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX High Balance {$1200.00} FCRA Sections 1681i ( a ), 1681e ( b ) inaccurate account/charge-off I have no knowledge of this XXXX  XXXX  account. Reporting it as a charge-off is false and violates my rights under FCRA. Immediate deletion is required. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$7300.00} FCRA Sections 1681i ( a ), 1681e ( b ) inaccurate account/charge-off I have never opened or held this XXXX  account. Listing it as a charge-off is completely inaccurate and a violation of FCRA. I request deletion. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1300.00} FCRA Sections 1681i ( a ), 1681s-2 ( b ) inaccurate collection account I have no knowledge of this XXXX  account. Its reporting as a collection is false and violates my rights. I demand deletion. 

XXXX XXXX Date Opened XX/XX/XXXX High Balance {$0.00} FCRA Sections 1681i ( a ), 1681s-2 ( b ) inaccurate collection account I have no relationship with this XXXX account XXXX Reporting it as a collection is false and misleading. I demand deletion. 

I request written confirmation that all inaccurate accounts and unauthorized inquiries are fully deleted. Continued reporting violates my FCRA and FDCPA rights.

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 2025-11-26 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:
I am submitting this complaint to formally request the removal of certain accounts, inquiries, and charge-offs from my credit report under the Fair Credit Reporting Act ( FCRA ), as they have been incorrectly reported. 
Upon reviewing my credit reports, I found several inaccuracies that I believe are in violation of my rights under the FCRA, specifically under FCRA 607 ( b ), FCRA 611 ( a ), and FCRA 623 ( a ), which state that credit reporting agencies are required to maintain accurate records and correct or remove information that is incomplete, erroneous, or unverifiable.

There are several charge-offs reported under my name, which are inaccurately recorded across Experian, Equifax, and TransUnion. These charge-offs were forgiven by the creditor and should have been reported as " cancelled debt '' on my credit report, accompanied by a 1099-C form, which was not done.Specifically, there is a XXXX XXXX XXXX charge-off , with a balance of {$6300.00}, listed under Experian and TransUnion, and another XXXX XXXX XXXXXXXX entry for {$2000.00} , also listed under Experian and TransUnion, that should both be removed. Additionally, there is a XXXX  charge-off for {$1400.00} reported on Experian and TransUnion, and a third XXXX XXXX XXXXXXXX entry for {$1500.00}, which is reported on both Experian and TransUnion, all of which are incorrectly listed. Furthermore, the XXXX XXXX with a balance of {$11000.00} is listed under Experian, Equifax, and TransUnion, yet this account is not mine, and should also be removed. Lastly, two XXXX entries both with balances of {$19000.00} and {$2900.00} are incorrectly reported under Experian, Equifax, and TransUnion and must be deleted.Under FCRA 605 ( c ), creditors are required to report debt that has been forgiven as cancelled in the same manner as they report the original debt. Since these accounts have been charged off and 1099-C forms should have been issued to reflect this cancellation, I request the immediate removal of these items from my credit report.In addition, there is an unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX XXXX which is listed under Experian. This inquiry was never authorized and therefore violates FCRA 604. As such, it must be removed immediately, as it was not the result of a legitimate credit application or transaction.These inaccuracies violate my rights under the FCRA and must be remove.

Company response to consumer: Closed with non-monetary relief